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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
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    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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Gambling Debt


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Hi

 

First time poster and very nervous.

 

Im 26yrs of age and got myself in a right mess. Borrowing has always been the done thing in my family, so as soon as i was 18 i was getting loans whenever i could.

Not just to splash the cash but to support my mother who was single and unemployed.

I have worked from the age of 15 but was never in a high paying job.

 

I found "gambling" not long after turning 18,

first it was slots at local bingo halls, until i found the devil - online casinos!

i then went on to spend every spare penny on gambling, a bit for the thrill but more so because i convinced myself i needed to gamble to survive.

 

My gambling issue is another story but i wanted to give u some background info.

 

I entered a debt management plan in November and made the first payment in December which has reduced my monthly payments vastly.

Unfortunately as my name informs you since entering this plan i have taken out 5 payday loans, and now owe more than i have coming in next Friday.

 

I had planned to roll these loans on by just paying the interest and "eventually" pay them off.

 

My mother contacted me today crying, she had her bursury put in her bank this morning, to the value of £600 and gambled every single penny away.

 

She was supposed to make a payment to her rent to stop from getting evicted! it was this phone call that kicked me into shape.

This has to be sorted, so first and foremost I have a gambling problem and am seeking advice from Gamblers anonymous!.

 

I was reading on some debt advice websites tonight and when reading on debt management FAQ,

one of the questions was "can i keep a credit card for emergencies",

the answer was no as your creditors in the debt management plan will think you are favouring other creditors therefore may not settle.

 

Im not sure what to do now, will my debt management company entertain these payday loans as they were taken after my agreement with them?,

or do i struggle along with making token payments to them?

 

Please dont judge or lecture me, i know this is all my own fault, i also know there is only one person who can fix it, as im trying to do now.

 

Any advice would be appreciated.

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Hi and welcome to CAG.

 

Don't worry....you will not be judged and it is good that you are trying to sort things out.

 

This is not my area but the guys will be along to help you as soon as they are available but bear with us as its late now but hang in there and they will be along over the weekend.

 

Regards

 

ims

 

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Hello SG!

 

I'm a very new member of this forum myself, but please don't worry about being judged or lectured. As ims21 has said, you are trying to sort out your situation, as all of us are who by virtue of being here on this site have debt problems ourselves! It's human nature that we've all beaten ourselves up about the mess we're in, but that gets very boring and doesn't help one bit.

 

I'm sure you'll hear from someone soon who has the right experience to advise you.

 

All the best!

Frog E

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Just a wee update, i plucked up the courage to phone my dmp company today and they advised to pay a token payment to the payday loans for 2 months then they will add them to the dmp. I have now cancelled my card and even opened a new bank account to sort my finances out. I have also self-exluded myself from all gambling websites and seeking help from a counciler.

 

I now have to pluck up the courage to phone the payday loan companies to tell them im only making a token payment :S.

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DMP company!!

 

dump them, do it yourself for free!!

 

we'll help

 

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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Don't phone the payday loan companies!!! Email or write to them. You've got enough to deal with at the moment without having the added hassle of taking abuse from a pack of unsympathetic payday loan sharks!

 

I think it would help if you listed the payday loan lenders, the amount of debt and how long you've had the loans.

 

A lot of us have dealt (or like me, currently dealing) with setting up arrangements with various payday loan companies. I'm sure Most of them now feature in threads on here.

 

The good thing about CAG - nobody here judges those who are trying to sort out their problems. I've been here for a couple of months now and the advice and support I've had here is amazing.

 

Well done on facing your gambling addiction. You're not alone here either. With good support from GA, I'm sure you'll overcome your addiction. "we can't win because we can't stop... If we don't start, then we can't lose"

 

Good luck. And I'm sure this thread will become a great tool for you in getting back on the right track.

 

Just one last quick thing... dx offers some amazing advice here on a lot of threads and to a lot of caggers. The advice re: dumping your DMP company is definitely something worth looking into. Are they REALLY of that much use when they are pretty much fobbing you off with "go and sort these additional debts out yourself"... They should be dividing up all of your surplus money amongst your creditors so how can they expect you to find additional funds to offer these other companies token payments?

 

I'm currently still in a DMP myself (fee paying) but will shortly be in the process of writing to all of my creditors and asking if I can send pro rata payments + a share of the £40 per month fee directly to them.

 

Hope this helps reassure you a bit. You're amongst friends now. A lot of us in the same boat - grab an oar x

  • Haha 1

It never rains but it pours...

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The problem is i have only started the dmp in November making the first payment in December. I then took out another 5 payday loans within December and January!. It does state in terms and conditions that i agree to not take on any more credit. The reason they wont add them just now is because i havent tried to pay them, basically taking on the loans knowing full well i couldnt pay them back. Friday is payday and the first time these payments are due back. Wont the companies just tell me to bugger off since they are just new loans?

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Ok.

 

In that case, you are probably best ditching the DMP. Start a fresh DMP?? Or even better, use the help that's here and start your own Self managed DMP.

 

You agreed to not take further credit - yes. So did I. A lot of us did.

 

You're best to list the lenders here and hopefully we can all chip in and tell you which ones are going to be best to deal with first.

It never rains but it pours...

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Welcome Finance £4500

Provident £3000

Greenwoods £700

Morses £500

Wonga £900

Robinson Way £662.58

Hillesden Securities £200

Earlypayday £150

UKPayday £375

1mth Loan £325

Txtloan £117

Payday Express £200

 

Im going to obtain a copy of my credit report to make sure everyone who is on there is getting sorted.

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have you agreement & all the statements on:

welcome

robbersway

hillies

 

these will prob be littered with reclaimable penalty fees & Mis-sold PPI.

 

who were the OC on the last two

and

have you checked all these debts show on your CRA file?

 

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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i dont have any paperwork for any of the creditors.

 

The loan from Welcome was originally £1000,

then another loan for i believe around £2000 to cover the first one and give me some money.

 

i paid £250 a month to them for about a year and a half and the balance was still over £4000 :(.

 

Im really stupid when it comes to these kinds of things so not sure what you mean by who was the OC?,

and not sure about the credit report yet,

i cant access it without card details and i have cancelled my card to stop payday people taking money

so will get credit report as soon as i get new card.

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you can do it via a £2 PO

 

not all the creditors/dcas report to ALL of the CRAs.. so to obtain a full check, you really need to contact the 3 main players.

 

Company Secretary

Equifax Limited

Capital House

25 Chapel Street

London

NW1 5DS

 

 

Company Secretary

CallCredit Limited

1, Park Lane,

LEEDS

West Yorkshire

LS3 1EP

 

Company Secretary

Experian Limited

Talbot House

Talbot Street

Nottingham

NG80 1TH

 

You can either complete the forms online or send a letter (below) with a £2.00 postal order.

 

---Quote---

 

Address

 

Company Secretary

CallCredit Limited

1, Park Lane,

LEEDS

West Yorkshire

LS3 1EP

 

Dear Sir or Madam,

*Limited Data Subject Access Request

s9(2) The Data Protection Act 1998*

I hereby request a copy of my Statutory Credit Report, served under s9(2) of The Data Protection Act 1998.

I enclose the Statutory Fee of £2 paid via Postal Order, number: 123456.

For the purposes of confirming my identity, I can confirm the following details:

*My full name*:

*My Maiden Name: *

*My Date of Birth*:

*My current Address*:

 

I have lived at the above address for XX years.

 

I note that under s7(3) of the above Act, a data controller is not obliged to comply with a request under this section unless he is supplied with such information as he may reasonably require in order to satisfy himself as to the identity of the person making the request and to locate the information which that person seeks.

However, I feel the above information identifies me sufficiently to discharge your obligations to establish my identity before posting my Credit Report.

I am aware that you have 7 Working Days to post the Credit Report to me, commencing the day after this s9(2) Statutory Request has been delivered to your Company.

*This letter must not be regarded as granting your Company any Data Consent*.

Yours faithfully,

citizenBcitizenBcitizenBcitizenB

citizenBcitizenBcitizenBcitizenBcitizenBcitizenBcitizenBcitizenB

citizenBcitizenBcitizenBcitizenB

*Enclosures:

*1 x Statutory £2.00 Fee via Postal Order Number: 123456

*Notes*:this letter is being sent via Royal Mail Special Delivery service

---End Quote---

 

 

as for welcome

 

sounds like you are owned lots of money

roll overs will i bet have PP and other

insurance and 'penalty charges'

 

all can be reclaimed.

 

sar welcome

 

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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i hope your right lol,

would definately help my financial situation,

i will sar welcome and also rbos

 

i have posted on ppi section regarding them,

had to take a loan out with them to cover £900 bank charges they charged me.

Will update when i have more details on credit report and sar etc.

 

Thanks very much for your help, this forum is fantastic,

will definately be making a donation when im in a position to do so.

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Im really stupid when it comes to these kinds of things so not sure what you mean by who was the OC?,

 

You're not stupid! Just there are a lot of abbreviations to get used to in all this -- you'll get used to them and know what they mean over time, but just ask away if you're unsure!

 

OC is "Original Creditor" -- who you took the loan/credit card out with in the first place (before the nasty Debt Collection Agencies got involved..!) :spy:

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nope

robbersway are not the OC - they are a DCA - what was the ORIGINAL DEBT ABOUT.

hillesdenthe same

 

cap1 ok

marshall ward is a cat company - you'll have heaps of penalty charges [£12 ones]

 

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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Just been thinking about all this lately, the Marshall Ward account was from 6-8years ago, I didnt realise about the statue barred thing!, have i mucked this up by giving the dmp company this info?, as im then "acknowledging the debt?, and in relation to the charges you believe will be on the account do i sar hillesden? And then can you still claim charge back if the debt is statue barred? This is all very confusing lol!

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I believe if you've acknowledge a statue barred debt after the 6 years any payment after this time can only be regarded as a "gift". In sure if you've acknowledged it after the 6 years.. Then this stands and if you're 100% sure the debt is SB - then you can tell your DMP to cancel future payments and advise the OC or DCA that the debt is statue barred.

 

Please though, wait for confirmation from somebody else before you do anything like that. I'm positive I've read this somewhere before on these forums.. Maybe dx could advise?? Advice from dx and others is usually spot on!!

 

Have you had any luck yet with arranging plans with these new debts outside your DMP?

It never rains but it pours...

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cant re-open a barred debt - correct.

 

again you sar THE OC not the DCA!

 

you might get them back it IS over 6yrs

so they might wriggle.

though there HAVE been successes.

 

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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I unfortunately havent contacted the companies yet,

im just not sure what to say but i looked through the library tonight and found helpful letters so will get them sent away this weekend.

 

Also been looking at dumping my dmp company which was suggested however from what im reading in the terms and conditions

i have to give 60 days notice and also a closing fee may be charged which would be 1 months payment :S

 

i will discuss it with them on the phone tomorrow to find out actual amounts.

 

I have cancelled my standing order to the company as i have changed bank accounts

so will be paying by card to them and will deduct £25 from what im giving them to cover the token payments to the payday loans.

Cant believe i have got myself in such a mess, dont ya just wish you could turn back time!!!

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this dmp company

do phone them

just cut them off dead

 

stop paying

and DO NOT EVER EVER

give you card number out to any creditor or DMP co.

 

if you HAVE ALREADY

 

cancel it

phone your bank NOW

tell them your security number has been compromised

and get the card changed.

 

whilst on the phone

instruct them NOT to honour ANY payments requested by

XXX company too

 

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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Cant they pursue me for fees etc?, although i have already made a payment to them so i suppose that would cover it?, Does it matter that they have sent letters out to my creditors?

 

So just ignore the dmp company and start sending the letters to my creditors myself?

 

I have changed my card, awaiting new one getting sent out, i have also created a new account, as i have heard some companies try taking ur money without ur knowledge, moved my wages tonight at midnight to the new account!! Just so i know its safe.

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