Jump to content


  • Tweets

  • Posts

    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

DMP and Mortgages


cathwyn
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3968 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hiya, Im new so sorry if have posted this in the wrong place.

 

 

I am on a DMP with CCCS and have been for almost 7 years.

2 pregnancies also which meant reduced payments for a year and a half, so still have a long way to go.

 

My experian credit report is very good, no defaults.

 

Car finance shows 2011 payment not received for 1 month, then balance settled month after.

Unsure why they classed as missed payment because it was all agreed with the company before that payment had been due.

Egg shows as settled, no missed payments, but am still paying them although now through Barclaycard.

 

Noddle report not v good. 1 out of 5. Default with Arrow, dated 29.06.07 re MBNA cr card.

So due to drop off end of the month, although I am still paying them.

Previous car finance showing same as experian.

Closed account with MBNA which went to Arrow, shows default.

Egg showing again as no missed payments and account closed.

 

Equifax shows the same accounts as above. No credit score as have to pay for that.

 

I am also paying CL finance (HSBC) which isnt showing and RBS Tesco which isnt showing. (fallen off?)

 

My main question is could I apply for a mortgage once the default falls off? If so would I be asked/or have to say that Im on a DMP?

 

If it was just me and my husband we would just carry on renting.

But my oldest boy is Autistic and I think better to move now as he doesnt like unfamiliar places.

He knows the way home now from school and anything different he goes crazy. Older he gets, it could get worse.

 

I know we can afford it as it would work out a lot less than what we are paying for rent.

Weve both worked since school and if the worst happened would take any job to make ends meet.

.although I do know it isnt as easy to get a job as it used to be.

 

Please can I have some advice?

 

Thank you.

 

Cath.

Link to post
Share on other sites

Hi Cath, you won't need to tell your lender that you're on a DMP - but they'll likely want to know how much you owe - and how much you pay each month to those creditors.

 

Don't worry about Noddle, it's not very widely used by lenders. Experian and Equifax are the main players.

Link to post
Share on other sites

Hiya Sequenci,

 

Thanks for the quick reply.

 

Egg shows as settled in 2008 and no balance (although has gone to barclaycard which isnt on the reports).

 

Arrow Global is the only other one showing as open but will drop off end of June.

 

MBNA shows as closed but default on June 2007 so that should also drop off.

 

None of the others are showing(CL Finance and Tesco). So I wouldnt have to mention those?

 

Although I have only the one account with a payment going to CCCS on it. Hmmm.

Link to post
Share on other sites

You'll only need to mention the creditors that you actually owe money to. Do be mindful that you *must* be truthful with the information listed on the application. A credit file doesn't always hold all of the information about one's situation - it isn't a statutory requirement for a creditor to even place information on them!

Link to post
Share on other sites

Approval of a mortgage application will much depend on income, and a credit profile showing active and well managed credit accounts, having to little data on file is has as much impact as adverse data because prospective lenders have nothing to assess you on.

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:

Link to post
Share on other sites

have you ever sent these dca's you are paying these debts too a CCA request?

 

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... 

Link to post
Share on other sites

Brigadier, Hi.

 

I have a current account showing as good and up to date etc. My husband had a mobile phone on contract for me (needed as pregnant last year and with my autistic son). Ending end of June. I can try for a contract in my name then and possibly upgrade to normal current account (instead of basic, but no o/d though).

 

dx, No I know have read about that on other threads but I dont know. Will it just make more trouble for me? Most of my cards/loans were opened late 90s so not sure where I would stand. I dont mind paying them as I did run up the debt, but I do feel angry that they wouldnt help me when I asked them for help.

 

Another thing which wont help Mortgage situation is that we took a car out on finance. My son started receiving mobility and we thought would get a car but pay it off with the money rather than hire on the motability. If his walking improves we would stop getting the money but would still need a car. We thought we were doing the best thing for him and the finance guy advised it wouldnt affect the mortgage, we have since learnt otherwise..I have sent off PPI claims though?

 

Think we might have to concentrate on getting rid of car finance and debts first..(although the house we like is fabulous and suited to us all :-())

 

Sorry Im pouting now.

Link to post
Share on other sites

Hi cathwyn,

I think you are doing the right thing, get the PPI sorted and the car finance.

 

The greatest draw back on mortgage finance even subprime lenders are looking at

far longer periods of good++ credit management often 2-3 years longer than the usual

3 years.

 

A failed application now would I think cause problems for the future.

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:

Link to post
Share on other sites

dx, No I know have read about that on other threads but I dont know. Will it just make more trouble for me? Most of my cards/loans were opened late 90s so not sure where I would stand. I dont mind paying them as I did run up the debt, but I do feel angry that they wouldnt help me when I asked them for help.

 

I question the logic of paying a debt, not showing anywhere on any cra file, that you have not sent for a CCA request upon

 

I have no wish to put down any free dmp charity, but, they never do any checks

 

dx

  • Confused 1

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... 

Link to post
Share on other sites

Thanks Brigadier.

 

Its not what I wanted to hear but I did know that would be the answer..Thanks to all of you for your time and advice :-)

 

Anyone with a magic wand, Id appreciate a few numbers on the lottery this weekend ;-).. lol..wouldnt we all!

 

Cath

Link to post
Share on other sites

Thanks Brigadier.

 

Its not what I wanted to hear but I did know that would be the answer..Thanks to all of you for your time and advice :-)

 

Anyone with a magic wand, Id appreciate a few numbers on the lottery this weekend ;-).. lol..wouldnt we all!

 

Cath

Sorry we cannot offer more advantageous advice cath, good luck and best wishes for the future!

 

Brig.

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:

Link to post
Share on other sites

dx, so if I just use one of the letters ive seen on this forum and a £1,00 blank Postal Order with payment copy CCA only on back of it?

 

To the original debtors or DCA? only to the ones not on credit report? could the ones not on credit report get funny and put a report on?

 

Sorry for blunt questions, typing one handed holding the baby!!

 

Thank you for help

Link to post
Share on other sites

CCA request letter in the CAG library, PO for £1 marked for statutory fee only the DCA has 12+2 working days to comply.

  • Confused 1

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:

Link to post
Share on other sites

adapt the following text to YOUR details.

DO NOT SIGN THE LETTER!

get a £1 BLANK Postal order

write on the back

for statutory £1 CCA FEE ONLY.

post the two off by !st class post, get proof of posting from PO counter

they have 12+2 WORKING days to comply.

 

firm demanding money

 

street,

 

town,

 

county

 

postcode

 

 

 

Dear Sir/Madam

 

 

 

Re:- Account/Reference Number 12345678

 

I do not acknowledge any debt with your Company or Associates

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide, including a detailed statement of the account.

 

 

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

 

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

 

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR).

 

 

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

 

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

 

 

We look forward to hearing from you.

 

 

 

Yours faithfully

 

Mr A N Other

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... 

Link to post
Share on other sites

To all the ones I owe money to or just the ones not showing on credit report? though they might have dropped off...does it matter about a default with them? does that prove the debt?

 

Thanks.

Link to post
Share on other sites

whomever you wish

just remember that mobile phone debts & bank accounts are not covered by the CCA act.

 

as for defaults. makes no odds.

if whomever you are paying or are trying to spoof you into paying

does not have an ENFORCEABLE CCA, you should not be paying them!

 

might be an idea to start a thread for each of your debts...

 

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... 

Link to post
Share on other sites

bank accounts are not covered by the CCA act.

 

 

Bank accounts are regulated, they are just exempt from Part V of the act - this covers the form and content of the agreement. A CCA request should still allow for a statement of account and suchlike to be sent - just no credit agreement.

Link to post
Share on other sites

yea save the £1 for the sar that will be needed.

 

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...