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    • dx100uk
      Iva with Hanover now been passed to credit expert

      By dx100uk · Posted

      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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    • Alfy
      Iva with Hanover now been passed to credit expert

      By Alfy · Posted

      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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      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.

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      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.

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

£60 invoice for 15 minutes, help

londongeorge
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londongeorge

londongeorge

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Hi, not sure what to do now, they refused to deal with me via email even though the pcn said I could email them so they rejected my appeal, I have now recieved a letter saying ' NOTICE TO KEEPER, DO NOT IGNORE THIS LETTER' what do I do now? do I write back and appeal again? This notice is very unclear as to what I should do? It says if I was not the driver and wish to challenge this pcn, then I have to write to them... I was the driver so what now? totally lost.....

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londongeorge

londongeorge

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Hi I did post last month when i first recieved this pcn, it said I could email them and so I did, but they then said they couldn't deal with it via email and I had to provide them with my postal address, I emailed them again with my evidence and asked why they hadn't answered my email and they wrote back saying because I had failed to provide them with a postal adress they had automatically rejected my appeal, I have now recieved a letter saying ' NOTICE TO KEEPER, DO NOT ignorelink3.gif THIS LETTER' what do I do now? do I write back and appeal again? This notice is very unclear as to what I should do? It says if I was not the driver and wish to challenge this pcn, then I have to write to them... I was the driver so what now? totally lost..... it also states under the heading Declaration of owner/driver that If I was not the owner of the vehicle stated herein etc etc Well where is the section saying If I was the driver and owner? that section doesn't exist?

What should I do as it says I have 28 days to now pay £100....

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armadillo71

armadillo71

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Posted
Hi, not sure what to do now, they refused to deal with me via email even though the pcn said I could email them so they rejected my appeal, I have now recieved a letter saying ' NOTICE TO KEEPER, DO NOT IGNORE THIS LETTER' what do I do now? do I write back and appeal again? This notice is very unclear as to what I should do? It says if I was not the driver and wish to challenge this pcn, then I have to write to them... I was the driver so what now? totally lost.....

 

They have obtained your details from the DVLA.

 

As this is addressed to you as the registered keeper, then you appeal as such.

 

I would simply state that as the registered keeper you are not liable for this charge.

No loss has occurred to the land owner.

Go into the details if you wish.

Demand the charge to be cancelled, or a validation code for the independent appeals service POPLA be issued.

State that the appeal has been sent with proof of postage.

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ericsbrother

ericsbrother

Posted
Posted

remind us of the date your vehicle was parked at the hotel and whether you got a ticket slapped on the windscreen or was it a CCTV type number plate capture. What was the date of your first letter from the parking co adn when did you get a rejection of your appeal.

All of these dates are critical as the parking co has to follow very strictly timetabled procedures and it is something they frequently get wrong.

If they are nit members of the BPA it may be difficult getting an appeal looked at properly but there again they have no rights to pursue you as the keeper of the vehicle either, only the driver could create a liability and thet is for them to prove.

So, post up a timeline of what you have from them.

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londongeorge

londongeorge

Posted
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ok, so they sent me a letter saying NOTICE TO KEEPER DO NOT IGNORE THIS LETTER. I responded by writing back to them telling them that as I had already appealed via email that was all they would get from me and either accept or reject and send me a popla code. Well today i recieved their response, They state that they responded to my emails asking for my address as they cannot consider my appeal without it, as I had failed to give them my address the appeal was rejected and due to that failure, no popla code will be supplied, they also state that as my appeal is outside of the timescale my letter of appeal is not being considered and no popla code given?

So what do i do now? I responded the first time via email within 14 days as per the pnc which said i could appeal via email, I responded via post within 14 days of recieving their NOTICE TO KEEPER after they obtained my address from dvla..... so what now? i'm lost? help..... please.

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DragonFly1967

DragonFly1967

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Posted

Personally I'd ignore them, you've done your bit. Let them take you to court, they (PPC's in general) lose 99% of anything that goes near a court, though they'll swear black was white to have you believe otherwise.

 

They probably won't bother though, there are plenty of people out there that just roll over and pay up (unfortunately), so they'd much rather go after the easy money.

 

 

You could complain to the BPA I suppose, but as they are a bit of a toothless tiger, it's really not worth the effort.

 

 

The usual chain of events....

 

1. Notice to Keeper.

2. Notice to Keeper. Reminder.

3. Notice to Keeper. Final Demand or we pass this to our Debt Recovery robots.

4. Debt recovery letter. Pay up, we've added more fees but pay us anyway.

5. Debt recovery letter. Pay up, we've added even more fees because we've had to write to you again. (by this stage it will be about £150)

6. Debt recovery letter. We've recommended to our clients that they start legal proceedings.

7. A new company get in touch, saying that they've bought the debt and making you an offer to settle the account for between £75 and £99 depending on what sort of mood they're in.

8. They give up.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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armadillo71

armadillo71

Posted
Posted

You could write one more letter to NPE stating that as they are not allowing the registered keeper access to the Independent Appeals Service POPLA , then you consider the matter closed.

No further correspondence will be entered into.

 

Or do as above.

 

Either way, expect some empty threats from debt collectors...

 

NPE don't do court.

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Stigman

Stigman

Posted
Posted

Let them take you to court, they (PPC's in general) lose 99% of anything that goes near a court, though they'll swear black was white to have you believe otherwise.

 

They probably won't bother though, there are plenty of people out there that just roll over and pay up (unfortunately), so they'd much rather go after the easy money.

 

Sorry but this is bad advise.

 

The Op must write to appeal the ticket, once the appeal is automatically denied, the Op goes to POPLA who will cancel the ticket.

 

Others in the past have either got a CCJ needlessly or had an up coming Court case mentally distracting them.

Please read around the forums.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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armadillo71

armadillo71

Posted
Posted
Sorry but this is bad advise.

 

The Op must write to appeal the ticket, once the appeal is automatically denied, the Op goes to POPLA who will cancel the ticket.

 

Others in the past have either got a CCJ needlessly or had an up coming Court case mentally distracting them.

Please read around the forums.

 

Stigman

 

If you read the whole thread, the OP has appealed the invoice.

 

NPE do not like giving out POPLA codes...

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dadtaxi

dadtaxi

Posted
Posted
Sorry but this is bad advise.

 

The Op must write to appeal the ticket, once the appeal is automatically denied, the Op goes to POPLA who will cancel the ticket.

 

Others in the past have either got a CCJ needlessly or had an up coming Court case mentally distracting them.

Please read around the forums.

 

Stigman

 

If you read abobe the appeal was made and has already ben denied on the basis of not giving his address and POPLA code refused as out of time

 

-----------------------------------------------------------

 

To OP. you now may find this scary but on the basis of POPLA code refused and appeal refused you now have two options

 

1) Pay up for a quiet but poorer life

 

2) Wait for court papers and stick it to the b******s

 

Now if you hold onto your nerve. its likely that all you will just get loads of demand letters for a while. Ignore.

 

If they are silly enough to want to take you to court then with a proper solid defense ( members here will help) you should easy win.

 

I personal would fight, but only you can make that choice

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Stigman

Stigman

Posted
Posted
If you read the whole thread, the OP has appealed the invoice.

 

NPE do not like giving out POPLA codes...

 

Was replying & then implying that anyone in future reading this thread could read that list of bullet points & ignore a parking Company thus leaving them open for a future Court claim.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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DragonFly1967

DragonFly1967

Posted
Posted
Was replying & then implying that anyone in future reading this thread could read that list of bullet points & ignore a parking Company thus leaving them open for a future Court claim.

 

Stigman

 

Well, that's as good a reason as any to read the whole thread then my friend. I'd not normally give that advice to anyone else, although I do it myself, but in the circumstances of having appealed (more than once) and had it rejected, and then the company refusing to issue a HOOPLA code, the OP has only two choices. Ignore it and see what happens, or pay up. And I'd never recommend the latter.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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ericsbrother

ericsbrother

Posted
Posted

the company have continually fialed to follow the protocols of the PoFA and the guidelines of their Trade Associations. they will get a real spanking if they went to court over this so you will probably be in line for a couple of threatograms from the likes of Debt Recovery Plus, the PPC's favourite debt collector. They are always worth a laugh and can be ignored.

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