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    • 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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PCM PCN - Residential Parking


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My housing association has decided to use parking control management to annoy the residents .

 

 

I live in a small block of 8 flats and there haven't been any restriction to parking for the 9 years I have lived here.

 

 

There are only 3 people with cars but now it is going to create a problem with visitors and as most people are elderly there will be problems with carers.

 

They have issued one permit for each flat and say there is no visitor parking which wouldn't be too bad but there is no road parking for more than two hours

 

I would appreciate help to get rid of this permanently rather than going through numerous battles with pcm

 

Ericsbrother posted something on this

 

thanks to everyone in advance.

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How old is the property?.

 

Others may be able to gain an 'easement by prescription' (as a result of protracted use of the right, without force, secrecy or permission), but 20 years usage is required .... 9 is not enough.

 

There are other ways in which an easement can be created, including 'necessity' and 'common intention', but it may be hard to show necessity, and the other party may claim there was never common intent!.

 

is there anything in your lease regarding parking?

Edited by dx100uk
thread tidy session only
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Hi the property is 100 plus years old but has had four flats added to the original .I will check the lease .

 

 

hi just cant find anything on lease but this is a letter of consultation setting out what they intended to do anyway.

I have attached also the signage .Do they have to obtain planning permission for these ? I f they do I doubt that they got it as the management team has even used penalty charge instead of parking charge!

I

 

sign+letter.pdf

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The contract is between your LL and this cowboy company, NOT with any resident, they'll never be able to enforce this as your tenancy agreement has supremacy over anything else.

 

I wouldn't be overly concerned with them, but I'd definitely be making a complaint with your LL regarding the use of cowboy parking outfits.

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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thanks for that reassurance .

Its seems my life has been taken over with all these companies trying to grab money off you for minor infringement and forgetting to pay congestion and dart charges etc . I am so sick of it . I am not alone by the sound of it.

 

PCM even say that the landlords will not have any say in this But believe me they will be getting it from me .

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If the parking is covered in the lease.

 

However, the OP says the lease doesn't mention parking.

 

What do you feel should happen with people who don't pay the congestion charge?

 

What do you feel should happen with people who don't pay the DART charge?

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And parking charges. What wrong is it is wrong that if you dont pay 2.50 you are sued for hundreds of pounds . It is out of proportion to the original debt.

I realise that my lease may or may not include right to park but it is obviously assumed to be included as they are making residents permits. The problem I have is that there was no need for it in the first place as the most people dont have car it just restricts visitors .

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Neither does my tenancy agreement, however there is a car park for residents to use, and as it isn't in the tenancy agreement, no contract with the PPC can be formed, as the tenancy agreement has supremacy, the agreement is between the LL and the PPC.

 

Ask the LL how much profit they get off the PPC issuing invoices, should they ever manage to enforce one.

 

Is it a private LL?

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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Housing association I am sure that money is the driving factor even though this is a charity. Whatever that means as they are running it just like they are any other business . Private letting etc. I am grateful though to have this flat .

 

Genesis.

 

 

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Yes most if not all, HA's are run 'not for profit'.......but mine made a tidy sum last year!

 

I would raise the issue with you housing officer, explain that it is unnecessary.

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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That would be the "common intent" approach, assuming it was included.

 

They may dispute that, saying that if they'd had intended to agree parking for particular people they'd have either

A) put it in the lease, or

B) issued permits before.

 

It can be argued either way!

 

They could say "we never intended to provide parking for anyone. Now it has become a problem, we are ensuring there is a scheme to benefit residents"

Were there marked bays / spaces before??

 

If they want to rely on the signage to create a contract, then the signage must be legal.

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They could say "we never intended to provide parking for anyone. Now it has become a problem, we are ensuring there is a scheme to benefit residents"

 

Parking has never been an issue according to the OP, they clearly have provided parking for residents, else there wouldn't be an issue here.

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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Does that involve applying to the local authority to put them up in the first place? Sorry just looking for an easy out.

 

You've got your easy out. your tenancy agreement!

 

It's your LL that has a contract with the PPC, not any of the residents.

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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  • dx100uk changed the title to PCM PCN - Residential Parking
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