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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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      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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Can anyone tell me if a sticker obscuring part of a parking sign would invalidate the parking restrictions?

 

The image of the sign is part of Manchester City Councils photographic evidence to support a PCN against me, and part of it is clearly covered by a sticker.

 

I would post the image here but I don't have sufficient posts to do that, but there is a sticker over the time period when a driver can return - the bit that says "No Return Within 2 Hours" - although someone has covered over the "2 Hours" with a sticker.

 

Thanks for any help...

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**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

or use Primo PDF.

.

try and logically name your file so people know what it is.

though DONT USE BANK NAMES or CAG in the title

i'e Default notice DD-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

you can click on your links to check them 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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Well first can I say that this is not my first line of defense, I was asking in case I needed a back-up to my primary defense....

 

The offense was 'Parked for longer than permitted' but that isn't true!

 

I had moved the car, to the bay where the PCN was issued, from the adjoining street (the 2 bays are less than 50 meters apart)

so it appears to me that the enforcement officer has got his/her facts wrong

or has deliberately falsified the evidence (does that kind of thing happen?)

 

but how do I prove either?

 

I can see how it might sound as though I am just trying to wriggle out of this penalty,

but I do this every day I am at university, well within the 2 hour time limit, and have never had any problems before.

 

I have appealed the ticket by email, but

 

the city council rejected it saying their officer had noted "on their first observation the civil enforcement officer noted the positions

of the valves on your vehicle's tyres in their pocket book at 10 and 4.

This is standard procedure.

 

On their return, the valves were in the same positions.

 

This is the reason why the civil enforcement officer believed your vehicle had not left the free bay and returned to the same parking place later".

 

In my appeal I never said I'd returned to the same bay, I gave them precise details of where I had been parked and the times I'd been parked in each.

 

Any suggestions what my next step should be?

 

In the Council's letter there is no mention of further appeals,

 

just 3 options that all involving paying the fine

 

- something I don't want to do given that I didn't overstay.

 

Thanks...

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2 options:

pay the discounted penalty

wait for the NTO and make formal representation with the same grounds + the obscured sign as documented in their own photo.

 

They will reject almost certainly.

 

You then appeal to the adjudicator again on the same grounds.

 

It's possible that the council will back down at this stage since, in theory, the CEO's notes should note your car first seen in XXX street, whereas the pcn was given in YYY street round the corner.

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I think the best thing to do is get on the phone to them and speak to someone about the photographic evidence they have and the CEO notes. If they are saying he noted the valve positions, then the question is, when was that first observation made. And are there any photos from that point, which would enable you to look at the ground/pavement and see that it's a different spot. And are there any other notes which might indicate where the car was.

 

Knowing what hard evidence they have will help you decide whether to re-appeal on that basis, and hopefully win out, or change to a different line of appeal.

 

So far as the sign goes, if you were ticketed for overstaying and the sign was obscured, then that's a reasonable case too. But were there any other signs next to this bay, with the info on? If so, an adjudicator might rule that the signing was sufficient. (Again, it would be good to know what sort of photos they have of the signage on the day.)

 

By the way, they will probably be happy to email you their photos - but finding out about the notes too will help clarify the best move.

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Thanks for all your help it is really useful to hear from the 'experts' :-)

 

There a 5 images of the alleged offense, but only 1 image of any signage (the one I posted a link to in the 3rd post) - are you suggesting they might have more?

 

as I said the sign is of less importance to me than the fact that they are wrong in my case - my only interest in the sign is as a back-up in case they stand their ground and won't entertain the fact that the car had been moved. I'm not sure whether it is up to me to prove my innocence or them to prove my guilt - but if it's the former, it might prove pretty difficult to do.

 

I'm going to email them and ask them for more evidence about where the first observation was made, and request any further images they may have. Thanks for all the help so far, I really appreciate it.

 

I will update when I hear back from them...

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I have seen first observation images so there is a small chance.

 

@Ray - in terms of their photos, I was wondering really if there is a second sign there. (Do you know?) If there is, and they have a photo of it, that would weaken that particular line of appeal. If they don't, then good, especially if you know for sure that this is the only sign, and it's unclear.

 

I think you need to get all the photos and CEO notes, and let us know what's in them. It could be a lazy staff member just not bothering to look at the evidence properly - it's impossible to say. But fact-finding now will help a great deal.

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Obscured sign in their own evidence = unenforceable restriction in any case.

 

Not if there's another sign there which is OK. One damaged sign among several isn't going to invalidate the whole bay. It depends what's there.

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The signage issue is only secondary, since the OP admits he knows the 2 hr no return in 2 hr restriction because he habitually parks there and always moves his car to a different street to comply. However it's worth including because it is obscured, and yet the council have included it as primary evidence of the restriction and that that the contravention occurred.

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Obscured sign in their own evidence = unenforceable restriction in any case.

 

I hope you are right about this, although I'd also like to get them to realise their CEO's note taking needs some improvement as well...

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@Ray - in terms of their photos, I was wondering really if there is a second sign there. (Do you know?) If there is, and they have a photo of it, that would weaken that particular line of appeal. If they don't, then good, especially if you know for sure that this is the only sign, and it's unclear.

 

Not sure if there's another sign or not, I didn't check. I've left uni now until September but I'll get someone to check for me and take some photo's...

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The signage issue is only secondary, since the OP admits he knows the 2 hr no return in 2 hr restriction because he habitually parks there and always moves his car to a different street to comply. However it's worth including because it is obscured, and yet the council have included it as primary evidence of the restriction and that that the contravention occurred.

 

Yeah I'm not denying I know the restrictions in these bays, but I was under the impression that if the signage doesn't meet the regulations then the parking restrictions are suspended until they do. Am I wrong on that one, assuming there isn't any other signs that is (I don't know if they is yet)?

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What's the exact location so we can look on Google Streets?

 

Great idea I never thought of that :-)

 

It's Higher Ormond Street, Manchester - I was parked exactly where the red car is, the one in front of the illegally parked blue Corsa!

Edited by _Ray_
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I was under the impression that if the signage doesn't meet the regulations then the parking restrictions are suspended until they do.

 

That's the theory, but councils are more interested in making money, so happily ignore the regulations. Even when appeals succeed, plenty of councils don't bother to correct signage and just carry on issuing more pcn's

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