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    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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Defaults and mortgages


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Hi, I'm new here but we all were once right.

My situation is , I want a mortgage , a right to buy mortgage. Our house is valued at 85000 but because value was put on by work we done ourselves the local authority could only value it at 70,000.

 

Now with my discount we can get it for 40,000 so quite a bit of equity in it already.

 

Thing is our mortgage advisor said with a default on my file we've no chance if a mortgage.

 

I've a default on a halifax CC in April 2012 for £2900. Limit was £1450.

 

I didn't want the bloody thing in the 1st place and told them but they said it came with the current account and to just not use it if I didn't want too.

 

My equifax report shows 5 accounts , mobile ( never missed a payment) 15 months. Current account ( no overdraft) a settled loan. A credit card ( vanquis) no missed payments 3 months old. And this defaulted halifax cc.

 

Now this card is with a DCA but I've decided it's time to man up and get this sorted out as my credit score is only going south no matter how many 'green boxes' I have on my credit report.

 

If I arrange to make payments with the DCA will this show on my report and consequently see my rating go up.

 

Thanks in anticipation.

 

Strikerafc77

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I am moving your thread to the correct forum where you should receive some advice.

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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.

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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From what I can see the default from the Halifax will now stay on your credit files for 6 years from the date it was entered.

 

All I can suggest is that you bring the account up to date and maintain the contractual payments, that way it will just show as a temporary glitch with the new records showing that all is well.

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

1: How can BCOBS protect you from your Banks unfair treatment

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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How is the default twice the amount of the card limit? How much is charges and is there PPI?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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Hi CBs advice is spot on!!

 

There is one possible way of clearing this matter up and asking ''nicely'' if the default entry can be removed given the situation you are in with the mortgage app.

 

You would have to contact Halifax and offer to pay the Outstanding Balance in no more than 2-3 payments, the offer being made conditional on removal of default entries from credit files.

 

I have negotiated deals like this for others recently, so it's worth a try.

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Thanks ,

 

It's twice my limit in charges and interest. They used to take the minimum payment out every month from my bank , but took it out a month late so i was always a month behind but they were taking the payment. Then they just stopped

 

The ppi thing. I've always took out ppi as I've always thought I've more chance if being approved if I do.

I've not had a day off work since I left school 22 years ago so never used it but I'm under the impression I couldn't claim on something I've defaulted on.

 

Will the halifax talk to me now it has been passed to a DCA ? They no longer send me any correspondence so thought they had washed there hands of it.

 

Regards.

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If you didn't ask for the card are you sure you had PPI on it? If PPI was missold a default doesn't prevent you claiming anything back. If it wasn't missold then obviously you can't claim it, but the charges and interest on them are another matter.

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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I had a joint account with my ex and when we split up I opened my own with the same bank. The account they gave me came with a cc. This is 10 years ago but I remember saying I don't want it. She said don't use it or cut it up but this account comes with it there's nothing I can do. Can't remember if I took ppi but I've tended to as standard. Even though I've always worked.

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You might struggle to say PPI was missold unless you were self employed, or worked for an employer with good long term sickness provisions, like the NHS, counci etc.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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Keep it in writting try reclaiming some of the charges if successful then make the condition offer.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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can i suggest

get sar off to halifax get all the stements

ask for a copy of the agreement too.

 

if you can prove that it was SOLELY down to PENALTY charges that the default got placed

then it must be removed.

 

get the info FIRST.

 

and don't EVER be tempted to pay a DCa anything ...yet.

 

stay off the phone tooo..

 

WHO is shown as the owner on the CRa file?

 

 

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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Hi,

In my CRA file it doesn't mention anyone but halifax. There's no mention of any DCAs I've had a offer of a discounted settlement from the DCA though.

 

I've never spoken to a DCA And wouldn't.

 

As for peneltys , I certainly didn't overspend on the card. Not a penny , but foolishly ignored it untill this point and balance.

 

Regards.

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Do still have the letters from the DCAs, if so do they state that they are acting on behalf of their client Halifax??

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Ok thanks. When the next letter arrives from the DCA ill look for that for definite. If they state they are in contact on behalf of the halifax ill get in touch with halifax. The card and payment option has disappeared from my online banking I know.

 

What will it say if they are not on behalf of halifax ?

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They will state that they now own the debt, and will amend credit files with their data.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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discount leters eh

 

thats good news

 

means there is something wrong with the debt

 

so you've prob heeps of PENALTY charges

 

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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There is not a penny gone on since April, and i have not made any sort of contact with anyone. So at least it isn't going up.

 

And in the absence if letters I know the DCAs letters only request the balance and they haven't charged anything.

 

I don't know if this points to wether they are acting on behalf of halifax or not.

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I would say this is still with Halifax, so try negotiations with them, if you need help with drafting letters please let me know.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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get that sar off to get all the statements

 

it'll give you a whole better idea of your barginning power

 

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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