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    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
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    • nope  and  neither dx
    • Ok Thank you DX will do just that . will keep you up dated.
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Penalty Charge Notice for entering and stopping in yellow box junction when prohibited


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Please I need some help.

 

 

I have been issued a PCN (penalty Charge Notice) from Merton council - 31J - entering and stopping in a box junction when prohibited.

 

 

It took place: London Road/Armfield Crescent (box junction) in Mitcham.

 

 

When I arrived at the yellow box junction, it was empty and the traffic at the exit was moving. I proceeded to move inside the box and just as I approached the exit, the car in front stopped suddenly due to traffic ahead of it.

 

 

I phoned up the authorities to ask them to send the video evidence on DVD to my home address. They said they do not do that but offered me to come and view the evidence at their offices. Therefore I went to the offices to view.

 

 

I have viewed the video evidence and it showed that as I entered the empty junction box, the traffic ahead was moving. It was only when I was approaching the exit, that the car in front stopped suddenly, thus forcing me to stop in the box. My front tyres were out of the box but my rear tyres were in the box. I had stooped for approximately 13 seconds in the box and my brake lights were on as were the brake lights of the car in front.

 

 

I did notice that there was a bus lane to the left of the junction box and cars were driving in there. The incident happened around 3.00pm so I presume the bus lane was not in force at that time.

 

 

I have to pay by the 20th December to get the reduced rate of £65.

 

 

Do I have grounds to appeal? If so for what reasons? How do I draft my appeals letter?

 

 

I would be most grateful for any help or advice.

 

 

Thank you very much

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as there is video evidence it was moving

you should be ok

 

 

have a read of these like threads

 

 

see what others did to 'win'

 

 

https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=yelloew+box&sa=Search+CAG#gsc.tab=0&gsc.q=yelloew%20box&gsc.page=1

 

 

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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Exactly what Thedabara said, technically only one car in the same lane can be in the box at one time, or you must wait for them to exit and there is enough space for you to exit before you enter it, not that anyone actually does.

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Exactly what Thedabara said, technically only one car in the same lane can be in the box at one time, or you must wait for them to exit and there is enough space for you to exit before you enter it, not that anyone actually does.

 

Sometimes it is difficult when traffic is really busy… I creep across really slowly when I see the traffic start to move… as long as you are not stationary, you have not broken the law...

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