Jump to content


  • Tweets

  • Posts

    • Don't know. but I suspect its Mays deal with a UK/NI customs border in the sea and some mechanism where NI can back out of the EU alignment if there is a majority vote for it. aka no simple DUP veto/revoke.   .. which I believe the brexiters said was a no go when it was considered under May including Mays 'no Britsh PM could consider it   Wonder of Johnson is going to claim 'its a deal' so I don't need to ask for an extension whether parliament votes for it or not?      
    • they are out of time with their NTK anyway ignore them now sad you didn't spot this in the 1st place! none of what you have done was ever necessary!!
    • So what does this latest pronouncement from Juncker mean- is it more game playing or are we truly stuffed with my deal or no deal?
    • please answer the following questions.   1 Date of the infringement- 21/06/19   2 Date on the NTK [this must have been received within 14 days from the 'offence' date]- 12/07/19   3 Date received 15/07/19   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? N I can't see it   5 Is there any photographic evidence of the event? Yes a ANPR Camera showing arrival and exit but separate parking machine in car park not at gates    6 Have you appealed? Y Post up your appeal] I am waiting for a copy of my appeal but I have other emails sent i can send  Have you had a response? Y. Email was never sent as they stated on 29th July. Finally got the notice of regection sent by email on 3rd Oct.    7 Who is the parking company? National Car Parks Limited owned by Park24.co   8. Where exactly [carpark name and town] NCP, Terrace Road, Bournemouth    For either option, does it say which appeals body they operate under. Not on the letter but found on line its BPA   There are two official bodies, the BPA and the IAS. If you are unsure, BPA please check HERE   If you have received any other correspondence, please mention it here   in either case scan up bothsides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONL
    • Not much point in appealing. You paid for 4 hours and stayed for an extra 45 minutes. Goes to show what a bunch of crooks you are dealing with when you first appealed they delayed their response until you came liable for the higher charge and they wouldn't reduce that sum.   From now on just ignore everything you get from NCP  and their unregulated debt collectors (birds of a feather). They will try to frighten you with increased costs  that you can safely ignore.   In the  meantime please complete the questions asked by dx above and post up any PCNs so we can see if they got them right.   Also we need to see their signs in the car park especially the one at the entrance; any that are different from the others and the T and Cs on the ticket machine.   Before posting the PCNs please delete your name and reg. number plus anything else that might identify yourself.  
  • Our picks

TheAjudicator

Bank To Creditor Relationships

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2529 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi

 

First posting here and I hope that I may find the answers:

 

I have several creditors and I have heard some rumblings from a friend who works for one that they would like to try a 3rd Part Debt Order (as I understand this is a one shot chance of clearing my bank account but they also have to have an association with my Bank but please correct me if I have been mis-informed).

 

My query is ....

 

I bank with the Coop

 

Due to a break up of a relationship and the unknowing use of certain financial facilities by my ex I have debts with Santander, Capital One, Marbles, JD Williams, Barclaycard, Bank of Scotland and Provident

 

Do any of these creditors have an association with the Coop Bank?? If not then can I rest easy until they obtain a CCJ ... I am currently paying via Payplan

 

Thank you in advance for any help or information that you provide

Share this post


Link to post
Share on other sites

The Coop is totally independent of them all. However a Third Party Debt Order can still be used.

 

This is most often used to ring-fence your bank account -- the order instructs your bank or building society to act as the third party here with the aim of using your funds to pay off your creditors. During this process you won’t be able to withdraw money from your account without permission. This method of debt recovery cannot, however, be used on a joint account unless all parties listed on the account are responsible for the debt in question.

 

This process can involve having your account(s) frozen for a period of time until a court decides whether to pay the money to your creditor. The judge here will be looking to see whether you have made all your order/judgement payments. If you haven’t met your commitments here then they may well approve the Third Party Debt Order to release your funds to your creditor.

 

The main problem that many people have with this route is that they don’t find out that their account is frozen until it actually happens. They won’t be notified until the deed is done to prevent them from withdrawing their cash and cleaning out the account. Once the account has been frozen there will be a court hearing where the judge will make a final decision on the case.

 

You will be allowed to dispute the order up to 3 days before your hearing if you do not agree with your creditor’s claims. If you do dispute what has happened then you should attend the hearing as well where you may be asked to state your case. You are also allowed to ask for funds to be released from a frozen account in some situations.

 

This is known as a Hardship Payment Order. The judge will, in this instance, tell the third party holding your account to give you some of the money in the account. You will have to prove that you (or your family/dependants) will suffer hardship without the money, however. If the judge ultimately finds in favour of your creditor then he/she will order the third party to release the necessary funds to them. This may also include extra money to cover their costs. If, however, you do not have enough funds in your account at the point that it was frozen to cover your debt then the third party can only pay out what was there at that point in time. If funds went in after the account was frozen they have no legal right to use these for this purpose.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites

cerberusalert

 

Many thanks for the quick reply. I have two further question

 

You have said that if I have not maintained payments to orders / judgements. Do I assume that the creditor is required to obtain a CCJ or such through the courts before he can use the 3rd party debt order and cannot do so without one.

 

I am now in a relationship with someone who lives in SE Asia and have had her name added to the bank account as she intends to move to the UK in the very near future, therefore does this means that they are still unable to use this sort of order

 

I ask this as I am now close to one of my creditors taking legal action

 

Again thank you very much for the help so far

Share this post


Link to post
Share on other sites

The creditor would first need to obtain a CCJ against you which you haven't settled or maintained payments on. If it is now a joint a/c they cannot use a 3PDO.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites

Many thanks cerberusalert, this has put my mind at rest.

 

I was a little worried that one creditor to whom I have a huge debt due to front loaded interest would have tried this option as I am about to retire and have a fairish size lump sum from my private pension being paid into the account.

 

Again many thanks

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...