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    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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SIP Parking Issued Court Papers - Help **Discontinued**


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I have had a Notice of Proposed allocation to small claims and direction questionnaire, which I am about to send back, it says on it to file it with the court office and serve copies on all other parties, does that mean I have to send sip parking a copy of proposed allocation??? or is this meant for them?

 

 

The other thing is I forgot to say full defence to follow, will I still be able to do this.

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Usually it is automatically allocated to your local court unless you specify another one. At the moment there is nothing to file but you can send a copy to SIP to remind them that you are defending the summons. You may find that this will be the end of the matter for you as I would put money on them taking a gamble that you would be scared by the summons and pay up. Now they are rumbled they might not pay the allocation fee and drop the matter so save face and money. i hope that this is what happens as it will save you a lot of wasted time.

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Aye, but early days and they are wrong with their procedures there as well. I still bet they are seeing the number of people who cough up when PE issues the summonses and reckon they want slice of that pie. At least PE follows the CoP's even if their claim for money is dubious at best.

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Well you are completely right, received a letter today-

 

 

Please find attached a notice of discontinuance. Please the court have also been made aware of this on 16/12/2013. via post.

 

 

Kind Regards

 

 

SIP Car Parks Ltd

Legal Department

 

 

Very professional, especially the Kind regards, ummmm the notice is signed by Sarwar whose position is now case handler, I will check it online to make sure it is discontinued, they were pretty fast with the discontinuing only just got in my proposed allocation, they must have passed in the post. Thanks for your help ericsbrother.

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Well done, but please do not let the DVLA or the BPA off lightly and follow up your complaints. The more complaints about these BPA members and the misuse of personal data the better. I have just had a pathetic response from the DVLA regarding my complaint and as such have fired off a follow up response to them demanding more information, rather than just accepting the BPAs excuse that the Parking Companys Agent "sent the correspondence in error", how pathetic is that.

If anyone had parked in the wrong place by mistake would the PPCs accept that as an excuse ?

 

Pete.

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+1

 

In addition although you haven't been able to pursue your own claim there is no reason why you shouldn't continue to do so. A letter might just elicit a payment - after all the Notice of Discontinuance was pretty smartly sent out - something along these lines:

 

WITHOUT PREJUDICE SAVE AS TO COSTS

 

 

SIP Parking Ltd

Registered Office

 

Dear Sirs

 

Re: Whatever County Court, Yourselves -v- hushpuppy, Case Ref XZXZXZXZX

I refer to the Notice of Discontinuance dated issued by yourselves.

 

I hereby give notice that it is my intention to apply to the court for an order for costs in respect of the above matter and with regard to this draw your attention to the Civil Procedure Rules, specifically Part 44.2 5(a-c).

 

I will be my case that your allegations were ill-founded and that prior to instituting proceedings: you failed to examine or at all your records as to payments received; you failed to apply or at all the provisions of Schedule 4, Protection of Freedoms Act 2012 upon which you sought to rely; that you sought to enforce a debt which was not due and in any event is denied and further sought to enforce a charge which you knew or ought to have known was a penalty and in all events you intended to be regarded as a deterrent neither of which are permissible or enforceable at law. Furthermore, that in seeking to enforce the matter you failed to adhere or at all to the requirements of the pre-action protocols and in so doing prejudiced my ability to defend the matter.

 

Please find the attached schedule of costs I intend to seek to recover by way of an order of the court. My application will necessarily incur additional costs you will also be liable for and the more so if I have to enforce the order. However, you may feel that it is prudent to settle the matter promptly and I will be happy to receive your cheque for the total overleaf within the next 14 days. In the absence of payment within that time-scale I shall look to institute proceedings without further recourse to yourselves.

 

Yours faithfully

 

hushpuppy

Don't take the mickey with regard to your costs - a couple of hours of research and dealing with correspondence and some additionals like photocopying etc
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That's a great idea and I will do that, just had another letter off the cheeky monkeys -

 

 

This is official confirmation that the above PCN has been cancelled. No further correspondence will be sent regarding this Parking Charge Notice.

 

 

Yours sincerely (this time no more kind regards???)

 

 

SIP Car Parks Limited (thought it was Stop Illegal Parking)

 

 

Appeals Department (can't remember appealing)

 

 

Havn't heard back from DVLA but I'm pretty ticked off that they give out your details willy nilly.

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Just seen an e-mail from BPA it says

 

 

 

 

I have received a response from SIP Parking with reference to your complaint.

 

The Parking charge Notice has been cancelled. They have now amended their process so that they do not pursue these PNCs under POFA unless they are within the 56 day requirement.

 

You should be receiving notification of the above shortly.

 

So basically they are useless and are going to do nothing about them, and it was not cancelled it was discontinued in the court, big difference in my book and I will be telling them this.

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