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    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • 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.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • 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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Debt due to illness, please help


NoPoet
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Hi all. I have a number of conditions which have led to excessive debt that I cannot possibly repay in full. I am now receiving the treatment and some of the support I need for my conditions; however the vast debt is preventing me from moving forward with my life, and my credit rating is in ruins.

 

My total debt: £20,000

My total income: Disability benefits (which I'm having to fight for in court)

 

Part of my ADHD is reckless and impulsive behaviour which cannot be controlled. This has led to me accruing ridiculous debt without having anything apart from an eight year old computer to show for it.

 

My conditions were only diagnosed aged 35. Their impact has been so devastating that I am simply incapable of taking on a job at this time. My doctors and therapists have also warned me to avoid jobs, relationships etc while I heal.

 

I *may* be awarded a large backpayment of PIP on Monday. If this happens, I was planning to write to my creditors offering them a one-off lump sum. They are all aware of my conditions and have generally treated me extremely well (although I am now in pre-default status on my loans).

 

Can anyone suggest the wording for this? How can I word it to show that they either accept the reduced offer, or I pay it anyway then declare myself bankrupt?

 

Thanks to anyone who actually read all this!

Edited by fkofilee
Removed Info On Ilnesses
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Hi NoPoet

 

Welcome back to CAG.

 

Sorry to hear of your issues. Would like to help.

First of all, give me a breakdown of your creditors and how much you owe to each one.

What you are paying and whether it has been to court for a CCJ.

 

Ive removed part of your post as its unrequired. Your info that you put before is your own personal info that should be yours and yours alone if you understand me :)

 

FKO

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Hi, ok, thank you.

 

I owe:

£7900 to Tesco Finance. They have been absolutely amazing with me.

£3900 to Hitachi Finance. They claim I missed 3 months token payments (to my knowledge this is not true) and have passed me onto cabot Financial. Cabot have also been brilliant.

£6500 to my parents for bailing me out of debt, helping me to pay for treatment etc.

£1500 to HSBC Bank for overdraft, fees, charges etc.

 

My debts to Tesco and Hitachi have entered pre-default despite me making minimum payments.

 

EDIT: My debts accrued over years of untreated illness. I have various complaints against the NHS as I and my parents begged them for help over the course of my life. These complaints have gone to the Health Ombudsman and my MP.

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I was advised to create a new bank account and I am currently with Co-Operative Bank. My HSBC account is still live though. HSBC have frozen interest/overdraft charges.

 

EDIT: No CCJS. I am considering bankruptcy though. If my creditors won't accept the settlement offers I am considering paying them anyway and declaring bankruptcy.

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Good Man :) - As long as your funds are safe :)

Personally I like the Coop but their lack of branches doesnt help so Im with Nationwide .

Basic account is really good :) So if you need a change...

 

Right so while Cabot etc are being paid. Have you attempted to request a CCA?

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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They've sent me some paperwork confirming the total balance and that I have increased my minimum monthly payments to £25/m. Originally I was paying Hitachi £97/m and Tesco £185/m.

 

My intention has always been to repay the debt. However my conditions are extremely prevalent, and the stress of dealing with my debt on top of the conditions has been too much. So I just cannot envisage a way of paying it all back short of winning the lottery.

 

One good thing: receiving treatment for my conditions has definitely helped me to bring my spending under control. Without treatment, I am no more capable of stopping it than I am of stopping blinking or breathing.

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As your on benefits. forget the possibility of a lump sum of PIP, the lump sum is simply a back payment for them taking the time to award you, I would simply drop the payments to £1 per calender month to each creditor, you answered your own question in post #7

I just cannot envisage a way of paying it all back short of winning the lottery

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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