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    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
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GE Money Loan paid but have outstanding arrears account.


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Thanks Jon & dx, I will sort the trustonline in the morning.

 

I will also apply for CRA reports tomorrow. No point in sending recorded as its a PO box address?

Is it worth applying to all; experian, equifax and callcredit - to cover all bases?

 

Yes Jon, the paperwork is in your desk :-)

 

I won't lose faith, though I can see it's easy to - yours and everyone's help and support from this forum would be in vain if we backed down. Also the blighters(mild to what I wanted to call them) would win!

 

S

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Morning Jon,

He has no other accounts, but has had (which he has been in fincancial trouble with).

 

The CCJ could have been longer than 6yrs ago. Is 6yrs significant when it comes to CCJs, or is it just that they don't show after 6yrs?

Will apply for his credit reports today.

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Hi Sheila

 

Im getting a little lost here...why are we presuming that a CCJ exists on this account?

 

Regards

Andy

We could do with some help from you.

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Hi Sheila

 

Im getting a little lost here...why are we presuming that a CCJ exists on this account?

 

Regards

Andy

Sheilas father remembers getting court papers, but he isn't sure what they related too. Probably not this account.

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looking at the interest bearing charges pdf

 

there are various solicitors fees from 2005

i would suggest the ccj is outside of 6yrs

so will not show.

 

he got royally shafted with fees to inflate the debt before they got him there!!

 

 

pers i dont think he owes a penny and has/is being fleeced blind.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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paid or not the ccj will vanish on its 6th birthday

 

i would have thought the GE would be / have

waived their arms legally if this 'fees' account was part of the CCJ/CO.

 

me thinks it was not

 

it would be really interesting to see the judgement box

 

outside chance northhants court might stil have details?

 

if the CCJ was not settled my guess would be GE money would be refering to it still

 

they are not.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i p'haps would twist their arm

 

they cant refuse to remove the charging order

if they have no proof the 'fees' account was part of the CO sum surely

 

so thus...

 

they must have it to prove it.

 

demand they remove the CO as the CCJ has been settled long ago

 

if they so NO

 

then demand proof the fees account IS part of the CO sum... i bet its NOT!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I personally don't think that any Judgment is in place ...its a secured loan...they dont need one...they can go straight for a CO to secure the debt.

 

Is there a Charging Order ...has the Land Registry been checked?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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I have ordered the title register but for some reason I'm struggling to find the document, I have a worldpay transaction ID (by email) but land registry website can't find it.

I will ring them up shortly.

 

Hi, Sheila has managed to get the document:

I think this is the relevant bit:

Probably normal for a secured loan?

 

B: Proprietorship Register continued

the proprietor are modified.

4 (28.11.2002) RESTRICTION: Except under an order of the registrar

no disposition by the proprietor of the land is to be registered

without the consent of the proprietor of the Charge dated 27

November 2002 in favour of Igroup Loans Limited referred to in the

Charges Register.

C: Charges Register

This register contains any charges and other matters

that affect the land.

1 (28.11.2002) REGISTERED CHARGE dated 27 November 2002 to secure

the moneys including the further advances therein mentioned.

2 (28.11.2002) Proprietor: IGROUP LOANS LIMITED (Co. Regn. No.

3860257) of Malvern House, Croxley Business Park, Watford WD18

8YF.

End of register

Page 3

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no i think that is the charging order

 

if it was the loan i think it would say Standard Security blan blah IGroup ltd?

 

not sure

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thought as much so a CO is already in place.Jon I have unapproved your other post as there is far too much personal information on view.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Thought as much so a CO is already in place.Jon I have unapproved your other post as there is far too much personal information on view.

 

Andy, No problem, don't think it needs to be edted & posted again, as we know a CO is in place.

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doh! are we blind..

 

its a mortgage

there neverwas a CCJ

there never was a CO.

 

however we need to know what happened in 2005 to involve solicitors please

 

it looks like he had money issues dating back to 2004

 

ALL those listed fees bar the Sol fees are reclaimable at their int rate

if it never went to court [for what?]

 

they can be reclaimed too

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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