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    • again you appear not to be understanding things.....   a default does not go statute barred - as carefully explained in post 4....once it reaches its 6th birthday it along with the associated account will be removed from your file. that happening has no effect on the debt itself. it does not mean it is no owed.    your debt is NOT statute barred it has a CCJ . should the claimant fail to enforce the CCJ by it's 6th birthday, when, as with a default, it falls off your credit file, then they would need to return to court to do so. and again that happening has no effect upon the debt itself.   they both operate under the same ICO rule, quoted as in post 4..   All references to a defaulted debt must be removed from your credit files after 6 years  has passed from date of default, whether paid off, paying now or not.  . This is so that someone who continues paying something  - even after 6 years from default  - should not be at a disadvantage to someone who pays nothing after default  and ends up with a clean file after 6 years. 
    • Pleased to say that the default has gone from my credit report due to being SB. My Experian credit score is now 978 out of 999 and excellent. Experian doesn’t show my 2 x CCJ’s. Equifax’s shows just 1.    my question is this.... clearly the debt is still owed for the SB debt, the CCJ is still live until June next year.   Can I make an offer of 10% to settle the debt now that it’s SB? If so is there a letter template that I can send to them to make such an offer?   thanks in advance 
    • Your position is not untenable in any way. You have already mitigated partially any impending disaster by opening another non Paypal linked bank account so they cannot arbitrarily seize what they want.   First thing to remember you are in control here. Whatever you offer to pay them must be something you can reasonably afford even if its only a pound a week and you must pay it to Paypal. If like me they freeze your account then there is no way you can reasonably pay them. They are not going to give you another account to pay it into.   The reason I got into difficulties with them was because I had recurring large payments being made to a supplier of mine which continued after I was rushed into hospital for series of emergency operations. When I came out of hospital Paypal had simply frozen the account which I discovered when I tried to pay money into it to alleviate the huge deficit that had accrued. So I paid nothing of what I owed. I received about 4 or 5 threatening missives which I ignored as well as any phone calls. I tried for several months to make payments into the account and in the end I gave up. Despite all the threats nothing actually happened.   If you read all the answers to your posting as well as all the other Paypal posts I doubt you will find any evidence of Paypal doing very much to enforce outstanding balances and funnily enough they do not make it easy for those that wish to repay them as I discovered.   So stop getting yourself into a flap over something that is very unlikely to be nothing more than a storm in a tea cup.   Make or start you offer to re-pay them at a figure you can easily afford then forget all about them except to make your regular payment if you can still do so.   DO NOT under any circumstances get yourself deeper into debt over this.
    • she certainly hasn't any authority to 'fine' you. what was in the contract regarding vacating the property by when?  
    • Makes the cost of the battery even worse  
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Loz14

Appeal a PCN - what's my chances?

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Hi,

 

My friend has just received a PCN for parking in a pay and display zone using a visitors permit! She was parked there for 2 hours displaying a resident visitors permit - we honestly thought that permits were valid for the whole street.

 

The street has pay and display at either end and permit parking between. Do we have any grounds for appeal or can anyone suggest how we might be able to successfully challenge?

 

Thanks

Loz14

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I don't see that you have a chance using that defence.

 

Your alternatives are faults or flaws on the PCN or the road signage.

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Thanks for the reply! I'm not suggesting that this is what we will use as a defence, but looking for advice on what reasons we can site as a ground for appeal.

 

What constitutes as a fault/flaw on the pcn? I'll have to check out the road signage - but somehow suspect local Council have this covered, but you never know.

 

I just feel its a bit unfair to issue a PCN when there was no attempt to avoid parking charges - a voucher was displayed as opposed to the pay and display ticket. A limited number of resident vouchers are issued to each address per year and quite honestly pay and display would have been the preferred option had we have known the voucher was not permitted.

 

Furthermore, if we cannot use this in defence surely there is a case to have the voucher replaced?

Edited by Loz14

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It may seem unfair but if you didn't have a permit and wanted to use pay and display only to find they were all filled with permit holders you would probably see the logic. If you admit you parked there for 2 hours you are unlikely to get anywhere if only you had been in a permit bay earlier hence the permit but had returned and were using the pay and display for some legitimate reason without paying such as unloading goods, dropping off a child etc you would stand more chance but I obviously do not know what you did that day.

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It states quite clearly in the T&Cs for visitors permits that they cannot be used on pay and display bays.

 

There is no mention of what happens when a voucher is used in error. Though it does say that the permits are non refundable, not transferable and cannot be resold, none of which applies

in your case. You could explain the circumstances and see if they will replace the permit but they could always turn round and point out that you could have used the permit for the rest of

the day in another bay or bays.

 

There are many ways in which councils can and do fall foul of the relevant Traffic orders though most now seem to have their PCNs more in order now.

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It states quite clearly in the T&Cs for visitors permits that they cannot be used on pay and display bays.

 

There is no mention of what happens when a voucher is used in error. Though it does say that the permits are non refundable, not transferable and cannot be resold, none of which applies

in your case. You could explain the circumstances and see if they will replace the permit but they could always turn round and point out that you could have used the permit for the rest of

the day in another bay or bays.

 

There are many ways in which councils can and do fall foul of the relevant Traffic orders though most now seem to have their PCNs more in order now.

 

Thanks! You make some very valid points!

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It may seem unfair but if you didn't have a permit and wanted to use pay and display only to find they were all filled with permit holders you would probably see the logic. If you admit you parked there for 2 hours you are unlikely to get anywhere if only you had been in a permit bay earlier hence the permit but had returned and were using the pay and display for some legitimate reason without paying such as unloading goods, dropping off a child etc you would stand more chance but I obviously do not know what you did that day.

 

Thanks! We will appeal and see what happens! Long shot it seems.

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