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    • OK.  So you lent your car to a friend in 2019 and he racked up three parking tickets that he tells you he didn't know anything about(!).  You were the registered keeper (RK) at the time at your family address, but you got chucked out and could not change your RK address with DVLA because you were homeless.  You knew nothing about the parking tickets and enforcement action until you got a bailiffs' letter passed on to you.  You made an Out of Time (OOT) application in respect of one PCN but Birmingham CC objected to it and the traffic court rejected your application.  A solicitor helped you make OOTs in respect of the other two PCNs but you don't yet know the outcome of those two applications.   Is that the situation you are in?   dx100uk thinks you can resubmit the application saying your friend was the driver.  I don't think saying that will help as the driver is irrelevant.  It's the owner who is liable to pay the charge and that is the RK (unless the RK is a car hire firm).  I assume you are not a car hire firm so you are stuck with the liability, not the driver.   Whether you actually can resubmit an OOT once one has been rejected I do not know, but why not try.  What did the solicitor put on the applications they helped you with?  Did you not ask their advice about the rejected application while you were with them?  I think you would have to say something to the effect that you never received any paperwork in relation to the PCNs because you had been chucked out of your home and because you were homeless you did not update your address at DVLA.  That is the truth isn't it?  You don't want to lie on the application.   To me that's a good reason for you not doing anything about the PCNs, but I suspect that Birmingham CC will object again and that the traffic court will reject again.  And, as I said above, I don't even know if you can submit a second OOT application in respect of a PCN if the first has been rejected.   So it looks to me like you might be a bit stuck.   Unless dx100uk, or spaceman61, or another poster with expertise in local authority PCNs comes along I'm not sure what you do.   If you get no more helpful suggestions here you could try on National Consumer Service.  If you do go there, do not register with a hotmail address.  You will also need to provide them with a timeline of everything for all the documents you actually have, and you will need all the facts and dates etc at your fingertips.  And make sure they are accurate.   http://forums.National Consumer Service.com/index.php?showforum=30   And get your friend to contribute to paying off the PCNs.  Do you believe he really knew nothing about them?
    • To enjoy the protection offered by s.75 CCA 1974 for a credit card payment, you must pay over £100 and under £30,000 for the goods or service (even if part payment for a larger total amount).
    • Hi Charlie and welcome to CAG   As an Executor, you have a duty to insure the property and tell the currect insurer of the passing of the deceased.   Most insurers will refuse normal contents cover on a house left unoccupied beyond 60 days. So, unoccupied, the home will not be insured against break-in damage, theft, flood, accidental damage, etc.   You may be able to obtain FLEE insurance covering only Fire, Lightening, Explosion and Earthquake. It may cost more than usual contents cover  because the home is unoccupied, even though the level/amount of cover is less than for an occupied home.   As said here already, an Executor would be wise (or indeed have a duty) to remove valuables from the home if you have somewhere safer to store them pending Probate, distribution, sale, etc.   I hope if you can explain the insurance risks to YB and assure him that you are not taking items just for your own benefit, he may see sense.   Please keep us updated ............
    • yours is not the next move   dx  
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First of all, I feel so ashamed of what I have done,

I have developed a massive anxiety issue and am finding it hard to eat and sleep, let alone step foot on public transport.

Im absolutely terrified of what might happen so any help will be truly appreciated.

 

I graduated from University two years ago, although getting good grades I have struggled to find a job,

I'm in massive debt and am still stuck in my overdraft.

 

Despite this I plan on working and taking a masters so I can proceed with a career.

Im also doing fundraising for charity which I love, and need to travel to other countries to complete my sponsorship.

I know if I get a criminal conviction all this will end and my life will be over. Im so upset, please help me.

 

So ill start from the beginning.

 

My boyfriend has epilepsy and has a freedom pass which he never uses

 

I started to borrow it about 5 months ago, although I didnt quite realise how bad it would be if I got caught.

I also carried around a normal oyster card for the days when he would need it.

 

I entered the underground and swiped his pass,

when I got off the tube I was stopped by the officer,

when he asked to see my card I then gave him the normal oyster.

 

He said it was invalid, in minus credit and had not been used for several weeks.

He took my details, card, where I got on the tube, and asked how I got on.

I just said I walked through.

 

I couldn't even understand what he was saying and had a full blown panic attack.

I do suffer badly from asthma and did forget to take my medication in the morning

which led to me feeling light headed and short of breath which really didnt help.

 

I have now got a letter from TFL asking if I want to make any comment on the situation

and that I could be summoned to court and face a criminal record.

 

I have never done anything wrong in my entire life and always try to help others.

I don't believe how stupid I have been and it now looks like I have destroyed my life by doing what seemed like such a small thing!

 

Once again, Im so scared of what might happen and Im such an idiot! Please help me x

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so cutting through all the waffle

 

 

you've knowingly used a freedom pass not yours on numerous journeys for the last 5 months?

 

 

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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Sorry, I do tend to go on... Yeah I did,

and to top it off I gave a different oyster card to the officer.

 

Im such an idiot, please help.

 

What do you think will happen?

 

Im shaking just thinking about it x

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all might not be lost

 

 

did you at anytime give him the other card

or mention anything about it?

 

 

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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naughty but nice.

 

donot condone what you have done

but I think you know its extremely wrong.

lesson learned.

 

so in all reality, you've simply been accused of traveling on one journey [in their letter]

and failing to swipe your card...

 

you wont get a criminal record if that's how they see it.

 

it was obvious to the inspector that you were suffering from 'whatever' problem.

 

 

simply write a very grovelling [but short!] letter

apologising for the error [mention you had had a bad night etc etc]

and offering to pay any admin fees and subsequent equivalent fines

to avoid a criminal conviction as this would jeopardise your future employment in XYZ type of job.

 

 

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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Thank you so much DX!!!

I might be able to sleep now thanks to you!

 

 

I'll get drafting a (short) letter, would it be ok if I send it to you before I sent it?

 

Your hospitality has actually really inspired me,

before I never thought these type of forums existed, or would provide any help.

But I see now, from this and others that they do provide a service to people in need.

 

PS - Im planning on becoming a building surveyor believe it or not, and I know lots about housing tendencies including landlord and tenant issues.

 

 

I will look for some forums and try to help others as you have helped me. x

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we have a residential and letting forum

with few helpers

your input will be greatly welcomed

its always busy.

 

 

as for your issue.

if you browse the threads in this forum

there are examples posted already

 

 

ok you did wrong.

but what they don't know.............

 

 

enough said

 

 

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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naughty but nice.

 

donot condone what you have done

but I think you know its extremely wrong.

lesson learned.

 

so in all reality, you've simply been accused of traveling on one journey [in their letter]

and failing to swipe your card...

 

you wont get a criminal record if that's how they see it.

 

it was obvious to the inspector that you were suffering from 'whatever' problem.

 

simply write a very grovelling [but short!] letter

apologising for the error [mention you had had a bad night etc etc]

and offering to pay any admin fees and subsequent equivalent fines

to avoid a criminal conviction as this would jeopardise your future employment in XYZ type of job.

 

dx

 

 

I agree with dx : it is worth a try to see if they will accept an "alternative disposal". (Don't say "out of court settlement", though that is what it is).

 

I WAS going to say "don't bother for Freedom Pass abuse, they almost always prosecute" but then noticed you gave the officer the "normal" pass.

 

Just to clarify : the officer didn't see you use the Freedom Pass and never saw it?

It didn't feature AT ALL when you were stopped?.

If so: you may well have had a very lucky escape.

 

 

I'm not condoning what you have done NOR trying to be judgemental, merely commenting on the effect on possible outcome if the inspector never mentioned Freedom Pass abuse in their report.

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  • 6 months later...

and what happened in the end?

 

 

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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