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    • now read my post again carefully.. dx  
    • Thanks. I often use this free site  https://www.sejda.com/compress-pdf  for work to compress PDFs. If it's no good, as you say, split it, and we'll do the biz at this end tomorrow. Knackered here - more in the morrow.
    • This is the covering email response (all personal details removed) - the pdf with all the info is 8mb - too big to upload - I'll need to split it and redact it tomorrow. Dear, We write further to your recent correspondence. We note from this that you have submitted a Request for Access pursuant to Article 15 of the UK General Data Protection Regulation (UK GDPR). We wish to confirm that the response provided below, and via the enclosed documents, concerns the Parking Charge referenced above. This data is provided on the basis that we note that you have already been identified as the registered keeper of the vehicle in question in relation to the dates of 22nd August 2023 and 11th September 2023 and therefore we can be satisfied, to the standard required, that the data collected and processed in respect of that vehicle on that date is personal data pertaining to you. We can confirm that your name and address were provided by the DVLA on 26th August 2023. This data was provided as you were identified as the registered keeper of vehicle in respect of a breach of the parking terms and conditions that took place within Mary Street, Carlisle on 22nd August 2023 Parkingeye can confirm that we issued a total of 5 items of correspondence to yourself to date prior to any further recovery or legal action. The address used was the address as held by the DVLA for the Registered Keeper of the vehicle. As no response was received to any of the correspondence sent, Parkingeye contacted a tracing agent to obtain any potential alternative address. To which end, an alternative address for yourself was provided and further items of correspondence were sent. Please note, whilst Experian are a credit referencing agency, no credit check has been undertaken in relation to this Parking Charge. We only utilise their tracing service in order to obtain alternative contact details. For clarity, personal data sent to our tracing agent is done so via an encrypted transmission route, therefore we do not hold physical copies of the same. The categories of personal data we send to them is your name, address and vehicle details. As Parkingeye did not receive any response to the correspondence sent, we entered into legal proceedings on 8th January 2024 in order to recover the outstanding sum owed for the Parking Charge and further costs were incurred. We can confirm that your name and address were provided by the DVLA on 15th September 2023. This data was provided as you were identified as the registered keeper of vehicle in respect of a breach of the parking terms and conditions that took place within Mary Street, Carlisle on 11th September 2023 . Parkingeye can confirm that we issued a total of 5 items of correspondence to yourself to date prior to any further recovery or legal action. The address used was the address as held by the DVLA for the Registered Keeper of the vehicle. As no response was received to any of the correspondence sent, Parkingeye contacted a tracing agent to obtain any potential alternative address. To which end, an alternative address for yourself was provided and further items of correspondence were sent. Please note, whilst Experian are a credit referencing agency, no credit check has been undertaken in relation to this Parking Charge. We only utilise their tracing service in order to obtain alternative contact details. For clarity, personal data sent to our tracing agent is done so via an encrypted transmission route, therefore we do not hold physical copies of the same. The categories of personal data we send to them is your name, address and vehicle details. As Parkingeye did not receive any response to the correspondence sent, we contacted our recovery agent in order to recover the outstanding sum owed against the Parking Charge. For clarity, personal data sent to our recovery agent is done so via an encrypted transmission route, therefore we do not hold physical copies of the same. The categories of personal data we send to them is your name, address and vehicle details. We can confirm, in line with s.(1)(h) of Article 15, that no automated decision-making or profiling, referred to in Article 22(1) and (4), has been undertaken in relation to personal data in this case. We note that Article 22 states as follows, “The data subject shall have the right not to be subject to a decision based solely on automated processing, including profiling, which produces legal effects concerning him or her or similarly significantly affects him or her”. We can confirm that you have not been subject to such a decision and that the processing falls outside the scope of Article 22. Any automated checks undertaken by Parkingeye in relation to ANPR data will only result in a decision not to issue a Parking Charge. Should the ANPR data we process indicate that a breach of the parking terms and conditions has taken place, any subsequent decision to issue a Parking Charge will require that data to pass through a substantial checking process that includes human intervention. Please note that the UK General Data Protection Regulation provides the following further rights:   •             The right to request from Parkingeye access, rectification or erasure of your personal data; •             The right to request from Parkingeye restriction of processing of your personal data; •             The right to object to the processing of your personal data.   Please note that some of these rights are not absolute and will only apply in certain circumstances. We will review each request we receive in respect of these rights. We do not have to agree with a request but if we refuse, we will still contact the data subject within one month to explain why. You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO). For further information, please refer to the ICO website, www.ico.org.uk. You may also seek a judicial remedy. For further information about your rights as a data subject, plus information about the categories of data we process, data transfers, the legal basis for our processing, and the purposes of processing, please visit: https://www.Parkingeye.co.uk/privacy-policy/   Yours sincerely,   Parkingeye Privacy Team
    • Thanks to you both.  I'd guessed it was CCTV, but the creeps who sneak up and take photos of the vehicles also use time stamps. BTW TT98, what you have received is not a fine, you can never be clobbered for the statutory consequences of not paying a fine - because it isn't one.  It's an invoice, and they have the same right to sue you as you have the right to sue anyone as a layperson who doesn't pay you for an invoice.  It's just a simple civil matter about a "debt".  Nothing worse.
    • As Dave has already said there are Consideration periods and Grace periods to be taken into account when private parking is involved. Before looking at that the first thing is to check whether your PCN complies with the Protection of Freedoms Act 2012 Schedule 4 which regulates the private parking rogues. They were very good at twice quoting from the Act but they missed Section 9[2][e] (e)state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges; They didn't do that so they have not complied with the Act which means they cannot pursue you as the keeper only as the driver which they said themselves when quoting Section 9 [2][f] . In addition they are supposed to quote the period of parking but instead given the times of arrival and departure of your vegicle which is not the same thing.Obviously their times  include the driving times to the parking place plus later from the parking place to the exit. So removing those times from your 15 minute overtime and that doesn't include extra minutes when your car was held up by stopping for pedestrians or other cars passing in front of you as well as returning the shopping trolley and possibly  queueing to get out of the car park. And that doesn't include children and or disabled people causing greater differences betwen their times and the actual parking period which is what is specified in the Act. It is perfectly possible that as much as fifteen minutes longer  could be taken in a larger busy car park compared to their spurious ANPR times. You may have noticed sating well done to you in his post. that was for two reasons. The first for giving us all the necessary details surrounding the alleged breach. the second well done was for not appealing a possibly giving away who was driving. As you the keeper is not responsible now for paying the PCN and Highview do not know who was driving they will have difficulty if the take you to Court since Courts do not accept that the keeper and the driver are the same person which is quite right considering that quite often family members often drive as opposed to the keeper as can loads of other people drive your  who have valid insurance motor policies. So don't worry even if you have to go to Court as the odds are in your favour and that's before we see the contract and Witness Statement which often give more ammunition against them.
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      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I have UK debts and want to apply for another visa


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I used to work for the UKBA and I can confirm that any debts you have in the UK, be they statute barred or not, would not affect your ability to be granted a visit visa.

 

Providing you can prove that the visit is genuine and affordable and that, on the balance of probabilties, you will comply with your visa and leave the UK on time then you will be issued a visa. If you are issued with a visa it will be in your passport and the UKBA database, it certainly wouldn't be passed onto any third parties.

 

The Entry Clearance Officer will want to see proof that you can afford the trip, wage slips, bank statements and the like, and that you will return to your country of residence, proof of employment is good for this, that's why they want your employers details as they sometimes check.

 

There is absolutly no chance of you being refused entry into the UK or detained because of any debts you may have, the system simply isn't in place to do it, the only caveat to that would be if the debts were fraudulenty obtained and criminal action was possible, but even that is unlikely unless there is a warrant for your arrest.

 

There is also no chance that an ECO would advise your employer of any debts, the UKBA wouldn't know unless you told them.

 

ello theoldgit :

 

 

I have come across one of your replies in regards to Visa Application UK

 

 

I was in UK under Tier 1 PSW permit until February 2014 , and had personal loans of GBP 2000 and un paid credit cards and phone contracts not more than 6000 GBP in total, I could not repay them since i left the country due to expired leave to remain .

 

 

and I have checked on the trustonline.org.uk - i do not have any CCJ against me

 

 

I am concerned this debt which I owe to the Creditors will hinder my new tier 2 (general) visa application

 

 

Kindly advise me, will this debt will come under General Grounds of refusal - under Deliberate Debting

 

 

your reply and advise will be really helpful and appreciated

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Hello ,

 

I am a new user and I need some help/advice in regards with Debt and Tier 2 Visa application

 

I was in UK under Tier 1 PSW permit until February 2014 , and had personal loans of GBP 2000 and un paid credit cards and phone contracts not more than 6000 GBP in total, I could not repay them since i left the country due to expired leave to remain .

 

 

and I have checked on the trustonline.org.uk - i do not have any CCJ against me till date

 

 

I am concerned this debt which I owe to the Creditors will hinder my new tier 2 (general) visa application

 

 

Kindly advise me, will this debt will come under General Grounds of refusal - under Deliberate Debting

 

 

your reply and advise will be really helpful

 

regards

 

Faz

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Hello I am new to Forums and I need advice in regards to below

 

I was in UK under Tier 1 PSW permit until February 2014 , and had personal loans of GBP 2000 and un paid credit cards and phone contracts not more than 6000 GBP in total, I could not repay them since i left the country due to expired leave to remain .

 

 

and I have checked on the trustonline.org.uk - i do not have any CCJ against me

 

 

I am concerned this debt which I owe to the Creditors will hinder my new tier 2 (general) visa application

 

 

Kindly advise me, will this debt will come under General Grounds of refusal - under Deliberate Debting

 

 

your reply and advise will be really helpful and appreciated

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This is taken from the Home Office general guidelines on deliberate debting. I would say that if you have no CCJ's on record and it remains just an issue between you and the Banks concerned, that it is not something that needs to be part of your application. But you would have to ensure that once you in the UK on a visa that you ensure that you conduct your finances properly and this includes negotiating debt repayment with the Banks concerned,

 

"This page tells you what to do if a person has deliberately got themselves into serious debt.

 

You must not refuse an application only because a person is in debt, especially if repayments have been made as agreed or if acceptable efforts are being made to pay off accumulated debts.

However, where a person deliberately and recklessly builds up debts and there is no evidence of a serious intention to pay them off, you must refuse under character, conduct and associations grounds.

 

Declaration of county court judgments In England and Wales a person may be handed a county court judgment (CCJ) for non payment of a debt. If the person is able to show that the money is not owed they can ask the court to cancel the judgment. Where the money is owed and it takes the person more than one month to repay the debt, the CCJ will remain on the Register of Judgments, Orders and Fines for six years.

 

An applicant who has been handed a CCJ must declare it on their application form as long as the CCJ continues to appear on the register. If the CCJ remains on the register but the debt has been paid off in full, the applicant must provide details of when the debt was cleared, or alternatively if paying in instalments, provide details of those arrangements, including the total amount paid to date."

 

An applicant is not required to declare a CCJ that no longer appears on the Register of Judgments, Orders and Fines.

We could do with some help from you.

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Civil debts or ccjs are nothing to do with visa applications!!

They only need to know criminal stuff

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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thanks for your reply,

 

the creditors in my case are not banks , but a private loan company , and credit card companies like vanquis, and vodafone contracts

 

i did pay the first installment , but had to leave the uk due to the end of grant of leave in uk,,

 

 

now that i got a job offer and want to return under a new visa category, my previous debt is got me skeptical in regards the general grounds of refusal

 

kindly advise

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thanks for your reply,

 

the creditors in my case are not banks , but a private loan company , and credit card companies like vanquis, and vodafone contracts

 

i did pay the first installment , but had to leave the uk due to the end of grant of leave in uk,,

 

 

now that i got a job offer and want to return under a new visa category, my previous debt is got me skeptical in regards the general grounds of refusal

 

kindly advise

 

If you read what they look at. It is only deliberate debt avoidance and outstanding CCJ's you are not paying.

 

I can't see these debts being a problem and if you had to leave the UK previously there is a reason you could not continue repayments.

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

 

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If you read what they look at. It is only deliberate debt avoidance and outstanding CCJ's you are not paying.

 

I can't see these debts being a problem and if you had to leave the UK previously there is a reason you could not continue repayments.

 

Thank you for the information, it sure is helping me to be a bit relaxed .. But will there be any credit checks made on me befor deciding for the grant of visa ? Will the home office do a background check to check debts or bad credit history ??

 

Secondly, I have not contacted or replied to the emails which I received from the creditors since I left the uk .. This has got me worried

 

And it's almost 2 years now since February 2014

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Would not have thought that they carried out credit record checks, but they probably check for court judgements.

 

With most debts, it is years before any action is taken. Companies prefer to use non performing debts to help reduce their taxes and they eventually sell the debts on. They will have tried to contact you at your last known address before giving up. They might not have issued a court claim, because there was no point paying court fees, if you could not be found.

We could do with some help from you.

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threads merged

 

 

already answered your other thread

and I refer you to post 6.

 

 

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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Hello :

 

I have got one more concern; if I move back to the UK again, how should i start dealing with the owed debt , since this would have been heaped up with lot of interest, I intent to pay the money which I surely owe, But not tons of piled interest,

 

How should I be managing this debt ? a step by step guide would be really helpful

 

Will the fact I was not in the Country due to Visa expiring, be considered ?

 

is there a way to actually know( who I owe and totally how much) ? (since I dont have any records)

 

Will they arrest me or disturb me at my new work place, chasing for this - i dont want my new employer to know anything about this ?

 

kindly advise ....

 

regards

Faz

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You simply wait until you are settled in the UK and then start to see what you can do to deal with these. Because when you apply for UK Bank accounts and other services you have to supply your addresses for the last 10 years, your UK credit record will be updated with your new address. You may then start to receive letters from companies that own these debts.

 

Or you check your own credit record and decide to contact the current owners of your debts. You ask for information about the debts and negotiate a settlement. If you find that that charges and additional interest have been added, you can often negotiate for these to be removed. If you had to leave the country due to visa reasons you can try to use that.

 

Debt is purely a civil matter. They can't contact you at work regarding a personal debt.

We could do with some help from you.

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Will they arrest me or disturb me at my new work place, chasing for this - i dont want my new employer to know anything about this ?

 

kindly advise ....

 

regards

Faz

 

 

as already explained it post 6

consumer debts are not criminal in the UK

you CANT be arrested for civil debts and they cant pester you at your work or through your work

 

 

it might pay you to get your credit file as soon a you can and see who now owns yours debts

 

 

but I would guess by now that your debts have been sold to debt buyers {DCA's]

they have

NO LEGAL POWERS WHATSOEVER

they ARE NOT BAILIFFS

 

 

i'd simply wait and see what deforestation you start to get if/when you settle here

then DO NOTHING

without coming on here and telling us what is going on

that has troubled you.

 

 

certainly DO NOT PAY A DCA OR TALK TO 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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Dear all :

 

Thanks for all the support and your valuable advise .. This has got me optimistic to return and more of peace to my mind , and things which were bothering me

 

I will surely keep updating here , and will not make any moves without seeking guidance .. Reading other threads and blogs here about how people got ripped off trying to pay back there never ending debts without guidance , sure has shook me a bit.

 

Once I return Is There any chance of my bank account being monitored of how much money I hold in it ? or my salary dates .. Cos I read somewhere that the debt collectors can withdraw money from the accounts ?

 

Kindly guide how to get hold of my credit file ..

Edited by Fazm
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Dear all :

 

Thanks for all the support and your valuable advise .. This has got me optimistic to return and more of peace to my mind , and things which were bothering me

 

I will surely keep updating here , and will not make any moves without seeking guidance .. Reading other threads and blogs here about how people got ripped off trying to pay back there never ending debts without guidance , sure has shook me a bit.

 

Once I return Is There any chance of my bank account being monitored of how much money I hold in it ? or my salary dates .. Cos I read somewhere that the debt collectors can withdraw money from the accounts ?

 

Only if you arranged a Bank account with the same Bank you had a debt with. But they are very unlikely to offer you an account.

 

Debt collectors can't withdraw money from Bank accounts. They either need your permission or a court order.

 

You are worrying far too much about this in terms of debt collection agencies. There are hundreds of thousands, if not millions of debts that exist. They can't chase them all.

 

Quite honestly, you are more likely to face problems with obtaining various services or renting a house or flat where they check your credit record in advance. You are quite likely to be asked to provide your previous UK address and agree to allow them to check your credit history. If these debts are showing as defaulted on your record, you might be rejected for services e.g contract telephone, Broadband, a flat/house tenancy.

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

 

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Dear all :

 

 

Once I return Is There any chance of my bank account being monitored of how much money I hold in it ? or my salary dates .. Cos I read somewhere that the debt collectors can withdraw money from the accounts ?

Kindly guide how to get hold of my credit file ..

 

 

not in the uk they cant

so be careful upon what sites you read

always best to stick to CAG and ask any questions here

rather than the danger of garbage from elsewhere

 

 

noddle & clearscore are both free CRA file providers

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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  • 7 months later...

Hello all :

 

I have been away from CAG for a long time now - since I have not returned back to the UK yet - But it will be happening soon (maybe a couple of months) hopefully

 

Meanwhile going through my emails : I have come across the below

 

From : Robinson Way Limited

 

subj:How much can you afford?

 

A repayment to match your circumstances

 

Dear XXXXXXXXX

 

Reference:

Due to:

HPH2 LTD (EX AQUA)

Balance Due: £470

Account Number:

 

 

 

Click here to pay

We want to understand your circumstances

 

Completing your financial statement will help us to understand what you may be able to afford each month.

 

You can do this by visitingwhere you can complete your financial statement (use My Account and Make An Offer options). If you would prefer to talk to one of our colleagues, please calls on 0345 605 1360.

 

We may even be able to agree a reduction in the balance you owe which can be paid over 1, 2 or 3 months. Please note that where this account is recorded on your credit file, once any agreed reduced amount has been paid this will be updated as partially settled with zero balance outstanding, and not as settled or satisfied.

 

Yours sincerely

 

Customer Contact Manager

Robinson Way

Part of Hoist Finance

A:Quays Reach, Carolina Way, Salford, M50 2ZY

W:

this debt is from 2014

 

Kindly advise : How should I be taking this ahead ( Ignore the emails till i am back to the UK ) or ?

 

I do not want any CCJ's to be raised ( since that is one thing which will surely hinder my work permit with the UKBA (home office) .

 

the last I checked on Trustonline on 1.04.2017 - I didn't have any CCJS on record

 

 

regards

faz

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Please read the information already provided in this thread.

 

They will have been checking your credit record for any ongoing activity in the UK and if you have been away, then there will not have been anything recent. So unlikely they would go for a CCJ and even if they did, a CCJ would not affect you returning to the UK. It is purely a civil matter between you and the owner of the debt.

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

 

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and that's a discount email...

so no doubt a lemon debt anyway

 

 

just remember a DCA is NOT A BAILIFF.

 

 

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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  • 7 months later...

I hope you will be able to answer my query. I am currently a student on TIER 4 visa, i have received a CCJ but agreed to pay it by instalments. I need to extend my visa for a postgraduate course, will the CCJ affect my application ?

Thanks

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this thread is for fazm

please start a new thread

of your own

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,

 

To re assure you

 

My wife had to go through the full immigration to the UK process several years back in order to gain indefinite leave to remain. I can assure you, the issue of our then joint (substantial) UK debt did not ever come up, even during the fairly tough interview we had to go through at Croydon !

We could do with some help from you.

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