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    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
    • Thanks Man in the Middle and everyone it's greatly appreciated form was filled in online yesterday now just have to wait and see
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Advice from Ind. Financial Advisor. correct?


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Reading the advice about non-priority debts and what you should offer those creditors... it says,

 

You cannot split your surplus, between credit cards, and then pay a loan.. (basically)..

 

however, what do you do in the case of a joint loan?

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I have 5 credit cards, and a joint loan with my wife. when contacting the credit card companies, what do i do about the shared loan.

 

Will they just split it, with what my wife has to pay, and what i have to pay, and i treat the 50% of what i owe, as a normal unsecured loan, just like the credit

cards? (when offering them an amount to pay each month)

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ok. have worked out a budget sheet, and it works out at negative £250 a month.

 

should i be offering a token £1 a month to each of the creditors, or nothing?

 

yes, my financial situation is now dire.

 

i need information on the joint loan i have with my wife. i cannot afford to pay for it, but she likely can. what happens with this.

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Ive just written to 5 credit card companies, saying that i couldn't afford to pay them.

 

I included a statement of incoming, outgoings.. which totalled a -£250 a month total

 

my question is, should i pay them £1 a month >?

 

(ive seen this written all over the place)..

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£1 a month is considered a token payment until they agree to a repayment plan. It shows willingness to repay the debt and that you have acknowledged it and arent avoiding it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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You only need pay what you can honestly afford as long as your income and expenditure shows clearly that £1 per creditor is the honest amount.Credit Card companies are low priority debts.

 

Probably you will get refusals from some of the companies,do not worry just continue to pay them the £1 they cannot refuse the payment

 

Wish you luck

 

FS

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The bit i dont understand with the posts above.. is that a credit card debt after 6 years is written off, so to speak.. but, only if you haven't made a payment? doesnt the £1 count as a payment ?

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No. It becomes statute barred if you havent made a payment or acknowledged the debt in writing. If you have referred to it as my debt or my account, then you reset the timer. Thats why we always advise for people to say "the above debt", or " the above account".

 

If you make a £1 payment, then you have acknowledged it and reset the timer.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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If you think you are likely to get away for 6 years not paying 5 different credit card companies, without legal proceedings happening at some stage,then please think again.Remember you have written to these companies stating you cannot afford to pay,so you have acknowledged the debts.If your I&E confirms you can only pay £1 fine, just continue to pay this amount,all the time you are making regular payments,it is difficult for your creditors to take any action they are likely to win,in most cases.

 

This site is designed to help you with your debts not for the avoidance of them.There is a mountain of advise concerning your rights,and your creditors rights,and the rights of DCAs,

 

Regards FS

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If you look at my original post, you will see i stated that my surplus, is negative £250 a month. I now only have my salary to support myself, my mortgage, and my two children.

 

The confusing bit, is that i keep seeing this £1 a month thing. They can all take me to every court they like, i don't see where its coming from.

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Again £1 is a minimum token payment. It shows you acknowledge the debt and do want to pay it off. If they ever take you to court, even though youve shown the creditors a I&E summary, the judge would look down on them as its clear you are unable to repay and they ignored it. The judge then has multiple options at their disposal for dealing with the debt.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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SB is no matter now as the OP has already acknowledged the debts. The timer would have been reset.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Oh i agree. I was under the impression they were less than 6 years though.

 

However, we need info from the OP to find out if he acknowledged the debts within the initial 6 year period. If he did, then SB doesnt come into play. If he only acknowledged after the 6 years were up, then he can stop payments, send the SB letter and laugh at them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Moradin sorry missed the - sign,this puts a whole new perspective into place.

 

Questions,when did you last pay any money to the credit card companies? How old are the credit cards,any prior to 2007?Any with PPI?

 

The letters you sent to the 5 companies what exactly did you say?

 

Regards FS

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Yes. i have just stopped paying them. they are all fairly recent, some maybe 4-5 years since i've had them.

 

I just wrote to them all saying that as i only had my salary, mortgage etc, i could not afford to pay them. i included a summary of primary bills, gas elec, mortgage, one car loan.

then all the other debts. (5 credit cards).

 

None have PPI.

 

So, my statement just shows how i will somehow be negative £250 a month, and that severe financial hardship was coming my way.

 

I asked them to freeze the interest, and any penalities. and also to only communicate with me via post.

 

I didn't offer to pay anything in the letter.

Edited by Moradin
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Have you checked to see if any of the debts have Penalty fees? Those are reclaimable too.

 

You did the right thing by stopping payments and also sending them a letter advising them of your situation. It's time now to relax a little, and wait for their replies to come in. Remember, if they refuse to acknowledge your circumstances, then send the letter from the CAG library. Failing that, its time to start formal complaints.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 3 years later...

Went to see an IFA today.. and recieved some information which, i think , conflicts with what i've read on here.. (might be me making the mistake).

 

He has said, that debts owed, are not wiped from your credit file, until 6 years, after satisfaction..

 

ie: they stay there.. and if you want a mortgage or something, they would still be considered, even after the 6 years.

 

My CC;s are on 4 years. and i will need to change my mortage in the short.mid term.

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are they defaulted?

 

 

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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then they will vanish on the defaults 6th birthday

never to harm you further if you don't disclose them

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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Is this an ICO rule.. ?

 

He seemed certain that it was a ''common misconception' that everything dissapears after 6 years....

 

https://www.nationaldebtline.org/EW/factsheets/Pages/25%20EW%20Time%20limits%20for%20recovering%20debts/Default.aspx?gclid=Cj0KEQjwoM63BRDK_bf4_MeV3ZEBEiQAuQWqkR13f1yo8LIQmCTmWbucE0mKWU-ljs15Q2ZCZY8tY1UaAlUl8P8HAQ#

 

What does ‘statute-barred’ mean?

 

icon_fact.jpgSee our fact sheet:

 

Credit reference agencies and credit reports.

 

 

If a debt is barred under statute, it means that by law (the Limitation Act), the lender has run out of time to use certain types of action to try and make you pay the debt.

Statute-barred does not mean the debt no longer exists. In some circumstances, the creditor, or a debt collection agency, can still try and recover money from you. You can choose to pay if you wish. Even if the debt is statute-barred, it may still be on your credit reference file. This may make it harder for you to get further credit.

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its nothing to do with statute barring.....

 

if your debts are defaulted...

 

this is what the ICO says:

 

All references to a defaulted debt must be removed from your credit files after 6 years

has passed from date of default, whether paid off or not.

.

{the WHOLE ACCOUNT WILL VANISH, never to return}.

.

{however, this does not mean the debt itself is not still owed

consider a CCA request.}

.

This is so that someone who continues paying something

- even after 6 years from default

- should not be at a disadvantage to someone who pays nothing after default

and ends up with a clean file after 6 years.

.

NOTE: {the bracketed text is not ICO guideline but my advise]

...

 

and ofcourse if you don't show old copies

they wont show

you say nowt

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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