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    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
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    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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A unique financial situation - Bankruptcy help needed


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Hi,

I am new here and I looked through the forum but the questions that I have, have not been asked before. So I am starting a new thread.

 

I have been in credit card and secured loan debts for more than 15 years and most of the time,

I have been working to pay my debts.

The life had been very hard.

But last year a friend advised 'not to pay any of your credit cards debts as you are just killing yourself',

and I did stop paying them which gave me some breathing space.

Now I have one creditor taking me to court to seek a CCJ.

 

I have reviewed my financial situation carefully and I have come to a conclusion

that I will not be able to pay any of my debts for at least another 10 years and I am 48 now.

 

 

The same friend has advised me now to stop paying mortgage and remaining 2 secured loan payments and apply for bankruptcy,

which I agree to but I am worried about committing BANKRUPTCY OFFENCE,

and ending up up to 15 years of BRO.

 

 

Could the following be considered Bankruptcy Offenses;

 

 

  • If I stop paying my mortgage (which has a negative equity of about £15,000) and secured loan, then could this be considered a bankruptcy offence as I would have piled up debt?

 

  • I am employed full-time and my take-home pay is about £1500 with overtime. But I want to give up this job as it exacerbate my Sciatica pain. I want to do taxi-driving for a while which I did before. Will OR consider this an offence as my income will go down to about half?

 

  • I had stopped paying my creditors over a year ago, so could this be considered an offence or fraud?

 

  • I am also the director of my own LTD company(book publishing) but it made a loss of about £1500 in the first year. I am not hoping to get any financial reward from selling any more novels in the near future. So if I sold the entire shares to a friend or family member then could this be considered an offence. I want to do this before bankruptcy as I know I cannot remain a director.

 

Thanks in advance for your help!

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crap advice!!!

 

 

so you have a claimform what have you done about that

tell us the story.

 

 

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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Sounds like very bad advice.

 

You need to speak to someone qualified to understand your full situation. Where are you going to live, if you made yourself bankrupt with a house repossessed. Unless you have someone who can provide free or cheap housing, you could be living in the taxi, not just driving it.

 

The way forward is to look at all options, with each debt considered separately. Perhaps Stepchange debt charity can look at some debt management solution. The mortgage and secured loans are going to be priority to pay. If they repossess the house, it could take awhile to sell at a much reduced price, plus they would add on all their various costs. The credit cards as unsecured are not a priority, but you could see how enforceable these are if you stopped paying. If you can provide more details as to which credit cards and when you took these out originally, more advice may be given.

We could do with some help from you.

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Thank you for your replies and help. Here are details;

 

Aqua £4,350 - started Jan 2013 - Now Idem Secrities, which are seeking CCJ - I was advised to ignore the form. It is still in my in-tray.

Natweat CC £3,470 - started Jan 2004

Barclaycard £6,250 - started Mar 2008

Vanquis CC £1,350 - started Jun 2014

Capital 1 £1,450 - started Apr 2012

Halifax CC £4,170 - started Jan 2007

Natwest OD £2,500 - started Sep 2002

Secured Loan £600 left - started Aug 2005 - originally £14,000

Argos C £590 - started Apr 2014

Edited by IWanttobeFree
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Forget the rest what date is on the claim form top right please

 

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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Get it ack,d now

 

Pop up on the mcol website

Create an individual new user

 

Then login to mcol with that

 

Respond to a claim

Select AOS

Defend all

Leave jurisdiction unticked

Exit mcol

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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Also as you have received a claim form

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014**%282-Viewing%29-nbsp

 

Copy the answers to those questions and place them on this thread so Dx and others can help

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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How can I defend it, I do owe that money to Aqua? I don't want to lie under oath, or I will have severe consequences.

 

Further, I sent Idem CCA request which they acknowledged on the 3rd of Oct but then they just went for CCJ and never provided any proof that I owed them the money.

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can you please get that link done

 

 

we'll deal with those things later.

 

 

have you done AOS yet too...

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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Hi,

 

I don't know what do you mean by putting up a link.

I am not going to defend the CCJ and let them get it from court cos by defending I will only be lying to court.

 

I think the conversation is going in the wrong direct.

 

I put up this thread in the hope to get some answer to my original questions regarding Bankruptcy and Bankruptcy Offenses.

 

I am copying them here again and I would appreciate if someone could help me answer these questions.

 

Could the following be considered Bankruptcy Offenses;

 


    If I stop paying my mortgage (which has a negative equity of about £15,000) and secured loan, then could this be considered a bankruptcy offence as I would have piled up debt?


     
    I am employed full-time and my take-home pay is about £1500 with overtime.
     
    But I want to give up this job as it exacerbate my Sciatica pain.
    I want to do taxi-driving for a while which I did before.
     
    Will OR consider this an offence as my income will go down to about half?


     
    I had stopped paying my creditors over a year ago, so could this be considered an offence or fraud?


     
    I am also the director of my own LTD company(book publishing) but it made a loss of about £1500 in the first year.
     
    I am not hoping to get any financial reward from selling any more novels in the near future.
     
    So if I sold the entire shares to a friend or family member then could this be considered an offence.
     
    I want to do this before bankruptcy as I know I cannot remain a director.

 

Thanks

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Do link in post 8 please

 

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

Hi,

 

I don't know what do you mean by putting up a link.

I am not going to defend the CCJ and let them get it from court cos by defending I will only be lying to court.

 

I think the conversation is going in the wrong direct.

 

I put up this thread in the hope to get some answer to my original questions regarding Bankruptcy and Bankruptcy Offenses.

 

I am copying them here again and I would appreciate if someone could help me answer these questions.

 

Could the following be considered Bankruptcy Offenses;

 


    If I stop paying my mortgage (which has a negative equity of about £15,000) and secured loan, then could this be considered a bankruptcy offence as I would have piled up debt?


     
    I am employed full-time and my take-home pay is about £1500 with overtime.
     
    But I want to give up this job as it exacerbate my Sciatica pain.
    I want to do taxi-driving for a while which I did before.
     
    Will OR consider this an offence as my income will go down to about half?


     
    I had stopped paying my creditors over a year ago, so could this be considered an offence or fraud?


     
    I am also the director of my own LTD company(book publishing) but it made a loss of about £1500 in the first year.
     
    I am not hoping to get any financial reward from selling any more novels in the near future.
     
    So if I sold the entire shares to a friend or family member then could this be considered an offence.
     
    I want to do this before bankruptcy as I know I cannot remain a director.

 

Thanks[/Qplace

 

So go get post 7 done too

 

Dx

 

Please... You do need to defend the claim form

Even if you think you owe the money

Else you'll get a ccj by default

 

Stating you wish to defend all puts the claimant (a dca debt buyer ..so why didn't the original creditor that you to court...I wonder why...)

 

As for you bk questions...IMHO you might not need to do that

 

At this time there is no rush.

You have been led down a very wrong path

And have been given very bad info

Esp regarding the mortgage

 

Let's get the claim sorted

Then the rest will fall into place

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

Hi,

 

I don't know what do you mean by putting up a link.

I am not going to defend the CCJ and let them get it from court cos by defending I will only be lying to court.

 

I think the conversation is going in the wrong direct.

 

I put up this thread in the hope to get some answer to my original questions regarding Bankruptcy and Bankruptcy Offenses.

 

I am copying them here again and I would appreciate if someone could help me answer these questions.

 

Could the following be considered Bankruptcy Offenses;

 

  • If I stop paying my mortgage (which has a negative equity of about £15,000) and secured loan, then could this be considered a bankruptcy offence as I would have piled up debt?

 

  • I am employed full-time and my take-home pay is about £1500 with overtime.
     
    But I want to give up this job as it exacerbate my Sciatica pain.
    I want to do taxi-driving for a while which I did before.
     
    Will OR consider this an offence as my income will go down to about half?

 

  • I had stopped paying my creditors over a year ago, so could this be considered an offence or fraud?

 

  • I am also the director of my own LTD company(book publishing) but it made a loss of about £1500 in the first year.
     
    I am not hoping to get any financial reward from selling any more novels in the near future.
     
    So if I sold the entire shares to a friend or family member then could this be considered an offence.
     
    I want to do this before bankruptcy as I know I cannot remain a director.

 

Thanks

 

You have got into the mindset that bankruptcy is the easy way out, but it won't be.

 

 

You really need to speak to a qualified debt advisor about your situation.

You cannot purposely hide money or assets by transferring to other people before applying for bankruptcy.

There is no issue about changing jobs or allowing respossession of a house if you cannot afford it.

But you need to talk to an insolvency practioner about whether bankruptcy is the best option

or is it better to deal with the debts as best as you can, hoping that the situation will improve.

 

You can defend the court claim, even if you owe the money.

You would challenge them to produce relevant documents and look at the amount of charges applied to the account to negotiate a reduction.

 

 

These debt agencies now issue court claims on an industrial scale and they don't always continue with them if defended.

 

In regard to any credit cards taken out before April 2007, you could send CCA requests.

If they could not supply them, they would not be enforceable debts, if you defended any court claims.

 

 

With the unsecured debts, you could go through Stepchange and arrange some debt repayment option, to make your situation more affordable.

 

 

Creditors may freeze interest on your account.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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  • 4 months later...
Thank you for your replies and help. Here are details;

 

Aqua £4,350 - started Jan 2013 - Now Idem Secrities, which are seeking CCJ - I was advised to ignore the form. It is still in my in-tray.

Natweat CC £3,470 - started Jan 2004

Barclaycard £6,250 - started Mar 2008

Vanquis CC £1,350 - started Jun 2014

Capital 1 £1,450 - started Apr 2012

Halifax CC £4,170 - started Jan 2007

Natwest OD £2,500 - started Sep 2002

Secured Loan £600 left - started Aug 2005 - originally £14,000

Argos C £590 - started Apr 2014

 

Do not stop paying anything, send each one as much as you can afford as a token payment then if you apply for bankrupcy you have broken no laws.

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