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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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PDL Others and The DAS Scheme


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So this is a repost of a repost, as advised by dx :) - I'm afraid DAS might be my only option, took out that one payday loan and ever since i've let it spiral out of control (taken CC's to try sort myself but this backfired) To summarize: I'm Paid: £900-1000 monthly (9 week rotation +sales bonus so can vary month to month), I Owe:Wonga: 305, Payday Express: 350, Capital One: 500, Barclay Card: 400, Vanquis: 250, RBOS: 900 overdraft-- they will be charging me for this in a few months as i will be stopping any wages going into the account. Payday loan interest is the ones that are killing me, i could afford this (the monthly payments/deferments for all) until lately i had a wee sick period and got underpaid, i'm unable to get out of the arrears as well as pay the next bills (at the end of this month anyhoo)How badly does DAS affect your credit rating?, I only want to do it to freeze interest, and paying back companys in full is what i want to do, after all, i borrowed the money...i'm more than happy to give the money back. DAS meeting is on the 2nd july -- Is DAS the right option, dx is saying no, but no-one has explained an alternative, and (8) my time is runnning ouuut:P(8)- wee bit of muse! DAS- Debt Arrangement Scheme (Scots Only)

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Das ?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Given the circumstances and your intentions with the creditors something like a DAS seems ideal to me.

 

Your alternative options are

a) self negotiating (no guarantee of freezing interest and charges)

b) debt management plan (no guarantee of freezing interest and charges although usually a good success rate)

c) sequestration/bankruptcy (probably a little extreme given the amount of debt)

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Ahh gotcha. Thanks ims!

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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They are very good. Like a DMP but gauaratee to freeze int & chgs and prevent further enforcement.

 

Thats good to know. You learn something new every day :) Makes you wonder though why ENgland and the rest of the UK don't get something like that. I would save a lot of headache and unnecessary stress on behalf of a lot of debtors.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thats good to know. You learn something new every day :) Makes you wonder though why ENgland and the rest of the UK don't get something like that. I would save a lot of headache and unnecessary stress on behalf of a lot of debtors.

 

Totally agree with you there.

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Thank you sequenci much appreciated:), Do you know if i'll be allowed a personal allowance under this Scheme? Smething no-one has nswered either lol. @ renegadeimp, I completely agree, write to your M.P. and try get it raised in parliment:) i'm sure it would help more than a few people down south

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It's worth a shot, but i doubt the English Government would listen really. If theres no way of making money from an idea for their own back pockets, then they seem to ignore it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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By personal allowance I mean money for me-time* :p

 

Your financial statement should allow you a little bit of money for yourself, it's not something that's directly listed so usually we (as advisers) would try to ensure that money listed within outgoings are sufficient to cover anything that might come up. More often than not this might fall under housekeeping. For example, amoutns can be listed to cover smoking + alcohol although I must stress than these figures must be reasonable or else they could get rejected.

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It's worth a shot, but i doubt the English Government would listen really. If theres no way of making money from an idea for their own back pockets, then they seem to ignore it.

 

Believe it or not there are a fair amount of MPs that are dedicated to changing things, it just takes ages. We could do with a few more taking an interest. Labour were way more progressive than the Tories are.

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"Believe it or not there are a fair amount of MPs that are dedicated to changing things, it just takes ages. We could do with a few more taking an interest. Labour were way more progressive than the Tories are." How to get more people to take an interest though... that sadly is the question:/

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"Believe it or not there are a fair amount of MPs that are dedicated to changing things, it just takes ages. We could do with a few more taking an interest. Labour were way more progressive than the Tories are." How to get more people to take an interest though... that sadly is the question:/

 

Extensive lobbying. Blogging. Forums. Comments on online newspaper articles. That kinda thing.

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