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    • The only way to verify whether there is any financial reward for the management is seeing the agreement. That would be required during disclosure IF court proceedings went ahead... Unless you could bring pressure to bear and get a copy?
    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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E S Parking enforcement - Declaring Driver at the Time of Parking Infraction


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What's the legal position with having to declare who was driving at the time a PCN was attached to my car?

 

The PCN was due to a ticket blowing upside down when closing the door. The correct amount was paid and I have the ticket that was purchased at the time.

 

So far I have received a couple of letters threatening action and the fine has increased on both occasions. I have sent the standard letter requesting information about who the landowner is etc, and I have not declared who the driver is.

 

Apologies if this is obvious but I'm relatively new to this.

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who's the ticket/companies chasing

tell us the full story.

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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Was hoping not to declare the name of the company just in case they are monitoring the site. It's an IPC company using the IAS appeal service.

 

 

  1. The driver paid for parking £3 to the end of the day. Left on the dashboard in full view, but the wind blew it upside down as the door was closed.
  2. A PCN was left on the car - £100 charge but £50 if I paid within 14 days.
  3. About 3 weeks later I wrote a standard letter back to the company highlighting that I was not ignoring their charge for a purported parking infraction but I needed more info before I could make an informed decision. 8 standard questions as suggested on this site. Suggested using POPLA or similar independent ADR service. Highlighted that they shouldn't send debt collection letters and not to add any costs or surcharges. Written as the registered keeper. No reply to this letter.
  4. About 2 weeks later I received another letter highlighting charge was £100. Two options: Pay or provide the name and address of the driver. I was on holiday whilst this letter arrived.
  5. About 2 weeks later I sent another copy of the same letter and highlighted that they hadn't responded with the requested information. Sent Royal Mail "Signed For" service. No reply to this letter.
  6. The next day I received another letter highlighting the charge had increased to £125. Obviously crossed in the post with my response.
  7. About a week later I sent a reply highlighting that they had still not responded to my request. This time I claimed they were wasting my time and I would start charging them every time I had to write a letter to them. So this letter included an admin charge of £100. I kept this one clear: I am the registered keeper of the vehicle and I am not liable for any parking charges. Please do not write to me again. Sent Royal Mail "Signed For" service. No reply to this letter.
  8. Sharpish response rejecting invalid invoice.
  9. Received a debt collection notice from ZZPS. Charge now £185.

What should I do now?

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What's the legal position with having to declare who was driving at the time a PCN was attached to my car?

I have sent the standard letter requesting information about who the landowner is etc, and I have not declared who the driver is.

 

Apologies if this is obvious but I'm relatively new to this.

 

You have no obligation to tell a private parking company who was driving a car you are the registered keeper of.

 

I'm not relatively new to this and I don't know what the ' standard letter ' is you mention? Please enlightened.

 

 

(edit: just seen post 3.)

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Thinking about it I may have got it off another site. Anyway this is the primary content ignoring address details, PCN number and company name.

I am not ignoring your charge for a purported parking infraction. As this is purely a charge (not a statutory penalty) issued under a purported contract and the driver has not been identified, I require the following information so that I can make an informed decision:

 

1. Who is the party that contracted with your company for the provision of their services? I require their contact details.

2. What is the full legal identity of the landowner?

3. As you are not the landowner please provide a contemporaneous and unredacted copy of your contract with the landholder that demonstrate that you have their authority to both issue parking charges and litigate in your own name.

4. Is your charge based on damages for breach of contract? Answer yes or no.

5. If the charge is based on damages for breach of contract, please provide your justification of this sum.

6. Is your charge based on a contractually agreed sum for the provision of parking? Answer yes or no.

7. If the charge is based on a contractually agreed sum for the provision of parking, please provide a valid VAT invoice for this 'service'.

8. Please provide a copy of the signs that purportedly were on site which you contend formed a contract with the driver on that occasion.

 

If you believe you have a cause of action, send a Letter before Claim within the next 21 days and I will take advice and will respond.

 

In my opinion, there is a better alternative than legal proceedings, namely that we utilise the services of a completely independent ADR service suited to parking charges. This does not include the IAS appeal service - which lacks any transparency and possibly any independence from the IPC - unlike the alternative offered by the British Parking Association, POPLA, which is transparent and has been shown to be independent.

 

Do not send debt collector letters and do not add any costs or surcharges. I will not respond to those, so to involve another firm would be a failure to mitigate your alleged loss. In any case, the addition of any debt collector 'costs' is not my liability because the POFA 2012 can only potentially hold a registered keeper liable if certain provisions have been met and even then, the 'amount of the parking charge' is the only amount pursuable.

 

 

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They are hoping you are scared into paying them so that is why the amount keeps going up,

they dont have a legal right to a penny so they work on the theory that getting hung for a sheep

is the same as being hung for a lamb.

 

Now, in the real world of parking in council car parks and on public highways

proof of paying the prescribed fee usually gets the PCN cancelled as you can show that the prescribed fee was paid

and any action would then be "de minimis".

 

However, a PENALTY charge is set to encourage you to abide by the rules

so the council can still enforce the penalty charge.

 

Private land parking charges are designed differently and provide the only source of income for many parking co's

so a court will not often side with a company that decides to go all out

to make money when the main contractual obligation of paying the prescribed fee to enjoy the facility is adhered to.

 

All you wrote to them about contractual charges and damages for breaches is largely redundant

as far as schedule of losses go, a flat fee that is not "unconscionable" is OK

but you are right about whether it is a charge for breaching a contractual term

or the sum due under a contract and the wording on the signage makes the difference

there so tell us what the signs say and we can advise as to whether this is a road worth travelling.

 

The content and wording of the NTK is often not compliant with the requirements of the PoFA to create a keeper liability so knowing what that said will be a boon to us.

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there are no T&C anywhere displayed that allows for any additional debt collection charges

load of bowlarks

 

 

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 original NTK would be compliant IF the signage at the site makes it perfectly clear that the incorrect displaying of the receipt for the parking fee is an absolute must as the supposed breach of the parking conditions is quoting 2 different things and hoping they will be read as being the same.

So, picture of signage ( and parking meter wording if different-that often undoes a claim)

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where's that second blue sign?

 

 

they should not be using the words

penalty charge notice

 

 

only council/police can use those words.

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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where's that second blue sign?

 

 

they should not be using the words

penalty charge notice

 

 

only council/police can use those words.

 

The second blue sign is a separate sign on the edge of the car park. I guess it's placed there to make sure people see it as they walk out of the car park.

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oh dear...

 

 

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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If its related to ES parking, theyve just got themselves into a whole world of trouble.

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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The first sign clearly states that it is the driver liable for the parking charge! What crayons are they giving the toddler group to make these signs??

 

I don't see how the keeper can have any liability, when they have so blatantly shot themselves in the foot with their pre school sign?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The first sign clearly states that it is the driver liable for the parking charge! What crayons are they giving the toddler group to make these signs??

 

I don't see how the keeper can have any liability, when they have so blatantly shot themselves in the foot with their pre school sign?

 

So are you suggesting that as long as I stick to not declaring who the driver is, that I will be able to avoid the penalty?

 

 

I thought there was some recent guidelines or legal change that allows parking companies to chase the registered keeper if they don't declare who the driver was at the time the car was parked?

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The law on keeper liability is clear and the Beavis decision did not change that one jot.

The parking co's like to tell people that after Beavis they can do what they want

but that is not true, never as been and never will be.

 

dont forget, dca's can do nothing so ignore them completely.

The parking co is wasting their money but if you start to respond to a dca they thnk you are a waverer

and will never leave you alone.

 

 

Some solicitors act as dca's and they can be ignored when working in that capacity.

Pet rentathreats are Gladstones (owners of the IPC and IAS), Miah, Wright Hassal, BW legal.

 

 

only ever respond to a lba from any of these clowns and then just to let them know you arent paying and court will cost them.

 

 

They lose their clients money whne they get a defended claim

but most people just buckle when they get the threatogram so they arent bothered that much.

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Ha ha ha, IGNORE!!

 

I'd like to see what credit agreement you signed that says they can add charges onto an already unenforceable invoice!

 

What fools.

 

For further reassurance, read Ericsbrothers post again.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Ha ha ha, IGNORE!!

 

I'd like to see what credit agreement you signed that says they can add charges onto an already unenforceable invoice!

 

What fools.

 

For further reassurance, read Ericsbrothers post again.

 

I'll ignore for the time being in that case. Thanks for the advice.

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ZZPS powerless DCA

they nor any DCA

are NOT BAILIFFS

 

 

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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