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    • 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.  
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Hi everybody, my business has recently failed and I had signed a personal guarantee on the company overdraft plus used personal credit cards to keep the company going. The credit card companies have both agreed to freeze interest and accept an affordable montly payment based on my income. I've offered the same deal to the bank but they are asking for a voluntary charge on a second property I own and are charging interest at 3%. They have said that if I don't agree they will go through the courts and I will have to pay the statutory 8% interest if they win. Part of the charging order is an agreement not to force a sale as long as the agreed payments are maintained.

 

I'm inclined to reluctantly accept their terms but does anyone have any experience or advice they can pass on? I'm concerned that I will be giving preferetntial treatment to a creditor and that I'm turning an unsecured loan into a secured loan.

 

The amounts we are talking are aprox. £10k for the overdraft and £30K for the cards and the property is in my sole name and not the one I live in.

 

Any advice appreciated. Thanks.

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Why do they need both a Personal Guarantee AND a voluntary charge ?

 

You will definitely be prioritising one creditor over another and turning an unsecured loan into a secured loan.

 

Have a read of Letter "H" in the link below.

 

http://www.consumeractiongroup.co.uk/forum/content.php?590-Creditors-and-DCAs-Letter-Templates-Budget-Planner

 

By letting them convert the credit cards you are depriving yourself of any protection under the CCA 1974. I will flag your thread for those who have more knowledge in this situation.

 

Do you have any PPI or charges that could be reclaimed ?


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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A lot of the people who might be able to help have day jobs.. so they might not be around until later on today :(


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hello there.

 

First and foremost, if they get their county court judgment they are not allowed to charge statutory interest on any credit agreements which are regulated by the consumer credit act. Anything 'personal' will be. They could, though, try for contractual post-judgment interest - but there are plenty of arguments which should be able to counter them if they try it. Of course we really don't want it to get to the court stage, so you should complete a financial statement and make an offer to pay via instalments, and at the same time push for the total freezing of interest and charges.

 

In a worst-case scenario voluntary charges are not as bad as you may initially think so long as you negotiate favourable terms. Such as the complete freezing of interest and charges, and also a declaration that they will NEVER try to force the sale of the property.

 

Hope this helps!

 

Seq.

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Thanks Seq, I think my problem is that as it was a business overdraft that I guaranteed then it is not covered by the Consumer Credit Act which seems unfair as it has now become a personal debt. I hope I'm wrong.

 

 

Hello there.

 

First and foremost, if they get their county court judgment they are not allowed to charge statutory interest on any credit agreements which are regulated by the consumer credit act. Anything 'personal' will be. They could, though, try for contractual post-judgment interest - but there are plenty of arguments which should be able to counter them if they try it. Of course we really don't want it to get to the court stage, so you should complete a financial statement and make an offer to pay via instalments, and at the same time push for the total freezing of interest and charges.

 

In a worst-case scenario voluntary charges are not as bad as you may initially think so long as you negotiate favourable terms. Such as the complete freezing of interest and charges, and also a declaration that they will NEVER try to force the sale of the property.

 

Hope this helps!

 

Seq.

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