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    • statute barring in Scotland is 5yrs from last payment/use date or date of default Notice + 14 days, whichever is the later. dont confuse that with the 6yrs debts show on credit files (DN's 6th bday regardless to payment or not). they'd never get a claim raised by august in 99% of cases . as long all these debts were taken out whilst resident in scotland and you have not moved since taking them out but failed to inform the original creditor before the debt sale....... then stay radio silent until sb date is reached. then if you wish send our scottish sb letter. just remember unlike E&W in scotland debts are extinguished, dead , gone , parrot. once SB'd dx  
    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report? The three I have with the May date are moot anyway as either way they are gone  - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they. I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc? I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's. Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
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council stole vehicle


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Hi,

 

Yesterday a london council stole my vehicle,

 

 

the vehicle was broken down in a resident permit,

 

 

the vehicle had a car cover strapped to it

 

 

they have removed the strap and exposed number plate for pictures and

 

 

then put parking ticket onto cover and taken vehicle to pound.

 

 

They are asking for £265 + £50 every day

 

 

i am looking to prosecute for excessive levy,

trespass and criminal damage for removing car cover ?

 

 

any clarification on point of law would be helpful

 

 

i have pictures from council to prove ticket was not affixed to windscreen and just placed on car cover.

 

Regards,

 

Saj

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was it taxed and insured if it was not on private property?

 

 

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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the vehicle was sorn,

 

 

the garage is on the same road where cars are parked

are without tax or insurance on single yellow and they did not tow those,

 

 

the car had parts on order and was put under cover so council are aware the car is broken down

 

 

but they pulled up cover and towed away pictures show cover still on car.

 

 

Must be Christmas BONUS.

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Does not matter about other cars.

 

You can only appeal on the facts in YOUR case.

 

Car was on a road as you admitted. You have admitted it was SORN

 

Thus they had the right to TOW your vehicle.

 

What is the grounds for appeal in relation to your car. Remember, other peoples law breaking is not a defense for your situation

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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they have taken vehicle on ground that it was in resident bay, but my argument is vehicle was covered as the vehicle needed repair, and they acted unlawful my removal instead of just a pcn.

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To park in a resident bay you need to display a valid permit - not a cover. You just aren't allowed to be there without a permit because you're blocking someone's space. Your case for appeal will be the breakdown, but the idea that you can prosecute (you mean sue) them is silly. If the vehicle was in contravention (it was) then they can remove it.

 

Get the car back, get all the paperwork you can to prove it was broken down, and appeal to try and get your money back.

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if it was on the public highway or maintained by the council land

 

 

the sorn is useless it must be taxed

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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OK so

Car was removed. Im assuming it was removed by the council as private clamping and removals on private property is now banned.

 

Therefore if it was on private land they would not be involved.

 

SO car was parked on "Public Land" untaxed and uninsured and without a valid Permit for a residents bay.

 

This scenario doesn't add up in my eyes and even if it did, I still see no reasonable grounds for appeal

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Definately a wind up or if not then an attempt to bypass the law of the land by parking a Sorn car on the highway, covering it up so hoping they will do nothing.

 

 

If your genuine, then just pay up like a good little taxpayer and obey the law in future.

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I thought the forum was to help people?

 

yes this is a forum to help people.

 

it would be unhelpful to offer advice which we know to be bad.

 

If someones case appears helpless what would be gained by sending them on wild goose chases that end up costing them more?

 

Other self help sites might promote that but this site tends to be more realistic.

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PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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The vehicle was apparently broken down, and he was quite possibly unable to move it

- which could well succeed as a defence in an appeal.

 

 

There is also a question mark over the permit system and how it works - what's a virtual permit, anyone?

 

 

And the SORN issue appears to be irrelevant

- I understand the contravention was parking in a permit bay without a permit (post 6),

so we at least need to keep in mind what he is being charged for,

and how and when the vehicle came to be there,

before accusing him of flouting the law.

 

Right at the start,

he asked for clarification of where he stands.

 

 

Phrases like "pay up" and "obey the law" are hardly constructive.

 

 

At least get the facts out in the open before declaring the situation hopeless.

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You do not brake down and then SORN. In an appeal they would look at how long the sorn has been in place and ask why was it not recovered?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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The other implication is that it broke down WHILST sorned which again is another contravention unless on its way to and from a booked appointment However that may still not be a defense. I think thats MOT only.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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defence not defense.......

 

 

yes I suppose if the sorn is not being punished [at this stage? - might dvla be latterly informed?]

 

 

so its a parking matter

 

 

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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Share on other sites

The vehicle was apparently broken down, and he was quite possibly unable to move it

- which could well succeed as a defence in an appeal.

 

 

He 'broke down' and instead of paying to get the car recovered by a garage

he purchased a car cover to try and conceal the vehicles identity,

yeah that's really going to win an appeal!

 

 

Get real he couldn't be bothered to buy a permit and mistakenly thought hiding it under a car cover would escape a penalty.

 

 

The only realistic advice would be to pay up and learn from your mistake,

dragging it out is only costing £50 a day which he will still be liable for if he never bothers to collect the car.

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