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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Ppi & IVA


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Hi

 

I am trying to get some information for a friend regarding a ppi and a cva.

 

First of all my friend fell into financial difficulty nearly 5 years ago in entered into a cva which has a few more payments before its finished.

 

However 8 weeks ago she asked for her ppi money back from barclays who were one of her debters before she entered the cva.

 

They have wrote back this week with the amount they want to refund which is a large 5 figure sum but have said they will give the money to the firm handling her cva.

 

As i said earlier she has now only got a few payments left on the cva and i wondering whats the best course of action for her to take as she has just been made redundant and could do with that money until she finds another job.

 

regards

 

rob FOR CVA READ IVA - dx

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

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Hi

 

So this cva is dealing with some limited company debts?

 

Is the loan we are talking about part of the company or is it a personal loan that is completely distinct from the company stuff?

 

ims

 

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Ah right

 

Ok

 

Typically if a person is in an IVA and a successful PPI claim is made then the refund is treated as windfall and is placed with the administrator of the IVA for the benefit of all creditors.

 

I would think that the only way you might have an alternative result is if you can show hardship but you would need to contact the IVA administrator to discuss this.

 

ims

 

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First of all she has not accepted the refund yet so would it be possible for her to pay off the remainder of her iva 3 payments left and then accept the ppi offer later as she has 6 month to accept there offer. Surely the bank would not be able to give it to the administrator if the iva had been paid up?

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

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I'm not sure TBH

 

I guess that when once formally released from an IVA then anything coming in is hers but its only a guess.

 

Also as this loan is in the IVA, Barclays may smell a rat after the event and start complaining that they haven't received the full amount that was technically due and try and cover their loss using the ppi refund.

 

I'll have a think and see if I can come up with anything but you'll have to bear with me.

 

ims

 

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All I can say is that when an IVA is completed anything that comes in after it is "signed off" is the claimants.

 

If the offer was accepted prior to the IVA ending, the money would still help as it would go into the "pot" for distribution.

 

Maybe have a word with the IVA administrator.

 

ims

 

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  • 1 year later...

Thanks for the reply ims (bit late i know):lol: Anyway a quick update on this and anyones help would be appreciated. This Iva was finished in october 2012 which was backed up by a letter from the company who set up the Iva arrangement Grant Thorton. In this letter they stated within 6 months a certificate of completion would be sent. However after all this time they still have not received this certificate.

 

In october 2013 a year later they have received a letter from Halifax claiming they still owe 12k. They also claim Grant Thornton never paid a penny to them. need some urgent advice please as this cant be right?

 

I will also mention if you have read the thread that no ppi money has been claimed.

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

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Thanks for the reply.

 

No they have not spoken to GT yet. However i have clicked the link and the status is set to current with a footnote which reads as follows.

 

Individual Voluntary Arrangements will remain visible while they are Current, and for a period of 3 months after the receipt of notice of the revocation order, full implementation or termination of the agreement.

 

The IVA was paid up in full and they have a letter from GT stating the final payment has been made.

 

If GT have made a mistake who stands to the debt?

 

Thanks

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

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I think they'll need to clarify what is happening with GT. Thought it may be fully paid up, it *could* remain open whilst there are outstanding actions - such as a PPI reclaim. The Insolvency Service have a decent complaints gateway, if GT are being a pain consider complaining.

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Yeah im going to get them to give them a call and we will see what happens.

 

Thanks

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

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OK GT phoned and are keeping it opened untill ppi is claimed. Basically was threatened if you want closure on the IVA then you must claim your PPI. If you want the threatening letters from banks etc claiming you still owe money then claim ppi and they will stop.

 

How can you force somebody to claim ppi.

 

Is this worth a complaint ?

 

Regards

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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