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    • Jasowter I hope that common sense prevails with Iceland and the whole matter can be successfully ended. I would perhaps not have used a spell checker just to prove the dyslexia 🙂 though it may have made it more difficult to read. I noticed that you haven't uploaded the original PCN .Might not be necessary if the nes from Iceland is good. Otherwise perhaps you could get your son to do it by following the upload instructions so that we can appeal again with the extra ammunition provided by the PCN. Most of them rarely manage to get the wording right which means that you as the keeper are not liable to pay the charge-only the driver is and they do not know the name and address of the driver. So that would put you both in the clear if the PCN is non compliant.
    • Thank you so much. Yes, I wish I had done my research and not paid. It's all for the same car park. Here is one of the original PCNs, they are all the same bar different dates. PCN-22.03.24-1.pdf PCN-22.03.24-2.pdf
    • Hi Clou, Welcome to the Forum and thank you for reading first before you posted. There seems to be many problems with Cornwall and getting a signal to use your a phone which could be why these parking companies don't use alternatives. It is a shame you paid the first one as you would probably have not had to pay that one either.  Was the car park at which you paid the same parking company as the one sending you these PCNs? On the subject of PCNs could you please post them up so we can see if they comply with the Act.
    • 1 Date of the infringement 16th March   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 22nd March   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s   3 Date received unsure   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] UNSURE   5 Is there any photographic evidence of the event? Yes   6 Have you appealed? [Y] post up your appeal] Yes. Stated incorrect location was used in JustPark app as honest mistake. Rejected of course.   Have you had a response? [Y/N?] post it up Yes, rejected:   Site: Sea View Car Park, PL27 6SR Date of Event: 16th March 2024 We are in receipt of your challenge in relation to the above Parking Charge. Appeals must be handled in a fair and consistent manner, therefore, in order for us to cancel any Parking Charge; it is necessary for us to find that the Notice was issued in error. As per the clear and prominent signage at this location ('The Contract'), drivers agree to pay the sum of £100 if 'A valid ticket is not displayed face-up on the dashboard; enabling all of the printed information to be inspected'. 'The Contract' also details that there is an exception for those with a valid mobile session in place. Had the driver felt that the terms of the contract were unacceptable, they had the option to seek alternative parking. By remaining, the driver is deemed in law to be bound by the terms of 'The Contract'. Our photographic evidence confirms that a valid ticket was not displayed, and a search of our records confirms that no mobile session was in place for the registration XXXX at this location; therefore, your appeal is declined. We note that you have submitted evidence of payment; however, said payment is not for this location. It may be the case that you feel that the charge is unfair; however, there is no legal basis to now reject a charge that the driver has already agreed to pay. In light of the above, the sum £100.00 is payable by 21/05/2024 or £170 thereafter. Our internal appeals procedure is now exhausted, our decision is final; therefore no further correspondence other than payment will be addressed or responded to. Should you disagree with our decision, you may submit an appeal to 'The Independent Appeals Service'; full details are on the rear of this letter. 7 Who is the parking company? Alliance Parking LTD   8. Where exactly [carpark name and town] Sea View Car park, Polzeath, Cornwall   For either option, does it say which appeals body they operate under. IAS Hi there, thanks in advance for any help on this.   Had 3 'PCNs' in post from Alliance for parking 3 times over a period of two weeks, unfortunately we were away from home so letters must have come over the two weeks but we received all at once if that makes sense. I realised I had used the wrong location on the car park app. The signs are not clear what the location is called (no code.) I only had receipts for two instances so I assume the first it didn't go through as had terrible signal. Paid £60 for one of the fines. Appealed the others saying it was an honest mistake and not very good signage (unfortunately submitted on their website and have no evidence of my appeal.) received the rejection of appeal as above.   Have now received the attached letter of claim. I have done some research for the amazing snotty letters but wonder if someone could kindly help me with writing one specific to my case? Thank you so very much in advance. LOC-alliance-1.pdf Apologies, 2nd page of LOC here. LOC-alliance-2.pdf
    • Would still like to see the court bundle  Any part ex as deposit or any deposit paid on the agreement does imo count towards the one third or the half in the case of a VT
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Tbi financial services chasing for morgage shortfall


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Hi guys I'm new an was recomended to this forum here's my situation. In need of advice

I've got tbi financial services sending letters from a morgage I had with g-mac formally webb resolutions.for the amount of just over £57000.

I had a house lost my job. Could get a job wich covered the bills so I moved out an house was taken off me..just before I went to court to hand keys back my house was ransacked for copper pipes,radiators every thing metal an wrecked the place doing so also flooded it completely...

House sold at auction so I'm aware leaving me with 57k bill.

2007iah I got house an lost it end of 2010/early 2011. I need to go to my old bank an find out wen I got morgage an last payment.for dates on that.

Just had a finial notice from tbi threatening I must pay in full by 13.01.2017 or could take court action will may be taken.

Has any one heard of tbi were should I turn now did I source a local solicitor. Thanks

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Speak to to your original mortgage provider and ask for proof that the debt has been assigned to TBI F Services before contacting or making response.....I personally would ignore until they actually issued a court claim.Any court claim would verify they are the legal owners of the debt and able to litigate on the debt.

 

 

Andy

 

Thread moved to Mortgages and Secured Loans.

We could do with some help from you.

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So this house reposession shortfall is from about early 2011 ?

 

What are your current financial circumstances like ?

 

Is this the only debt that you have ?

 

Quite often with these mortgage debts, the original mortgage company still owns the debt, but they choose to get companies like TBI to chase them. Mortgage debts don't become statute barred until 12 years have passed without payment or acknowledgement, so you have a long time to go until it is no longer enforceable.

 

I have seen cases reported online where these mortgage companies appear very reluctant to actually issue court claims. They would have claimed off contingency insurance and a condition of this is that they chase the debt. But given that people have suffered reposession, it is not very likely they would gain repayment of a big debt. They are hardly likely to force people into bankruptcy and get very little.

We could do with some help from you.

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Would contacting g.mac result acknowledging the debt to them., I've been self employed for a few years now untill recently,wer I don't work at all.i do not claim any thing either.i was working before we had our recent baby

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Would contacting g.mac result acknowledging the debt to them., I've been self employed for a few years now untill recently,wer I don't work at all.i do not claim any thing either.i was working before we had our recent baby

 

No it is not acknowledging the debt.

 

Not sure why you would contact them.

 

TBI do chase mortgage shortfall debts on behalf of mortgage companies.

 

Given that you don't want to share too much information online, as you have not answered questions raised, then i would suggest you phone National Debtline for a confidential chat. How you deal with these large debts is down to your personal circumstances. If this mortgage debt is just one of many, then bankruptcy might be an option to be looked at. But you need to know how that affects your employment, housing etc.

We could do with some help from you.

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Sorry was andy who suggested speak to gmac. Sorry yes was either late 10 or early 11 an other debts are from not long before I lost the house was water a couple of hundred pounds an 100 to a phone company. Again prior to loosing the house. Just once I lost my job I got another an wasn't enough to cover bills. So I left...an was just paying interest only for a brief time untill it was clear I was stuck in a rut.an wen it got trashed I felt it was game over at the time.

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Sorry was andy who suggested speak to gmac. Sorry yes was either late 10 or early 11 an other debts are from not long before I lost the house was water a couple of hundred pounds an 100 to a phone company. Again prior to loosing the house. Just once I lost my job I got another an wasn't enough to cover bills. So I left...an was just paying interest only for a brief time untill it was clear I was stuck in a rut.an wen it got trashed I felt it was game over at the time.

 

You might want to get hold of your credit report. There are many free providers of these such as noodle.

 

A relative of mine lost a house due to repossession back in the 1990's and when you are in that position you can forget about debts. Once you leave a house and stop receiving post, you loose track of what is owed to which company.

 

Basically, you can't pay this debt and you don't own any assets such a house in your name ? If this is the case, there is not much you can do and not worth responding to TBI. As Andy says, if the mortgage company want to take this to court, which is unlikely, then you can deal with it on receiving the court papers.

 

But you should be looking into your current financial position and getting advice.

We could do with some help from you.

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That's true their may be the odd other debt. I did owe council tax but I paid that off a while after as that can be trouble.i do have a noodle an is only showing. £101 dept wich is hsbc not phone company my mistake I just logged on to it just now. How'd you mean you own financial position an advice.? Do you mean if they do end up doing a ccj.

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You have to remember, we have no idea about what debts you have or your current financial circumstances. It is good that you only have this one other debt registered.

 

What i meant by get advice, is to consider where you are financially and what you want to do. Given that this mortgage debt is from 2011, it can be subject to court claims re limitations act up to 2023. Do you ride it out until after 2023, hoping they never issue a court claim ? Do you go bankrupt to get rid of this debt ? Do you negotiate a reduced full and final settlement of the debt ? My relative with a mortgage debt of over £30k decided to get shot of it, by offering £2k full and final settlement which was accepted.

 

I don't know your circumstances, as to whether there are any assets now or likely in the near future. E.g an inheritance.

We could do with some help from you.

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lets resit this a minute........

 

look closely at the TBI letter

does it use the words 'our client XXX'

 

I bet it doesn't?

 

this will be a mortgage shortfall

so its 6yrs till statute barring not 12yrs.

http://www.consumeractiongroup.co.uk/forum/showthread.php?387506-Mortgage-shortfalls-Lender-should-not-pursue-under-CML-policy

 

I would suspect the letter doesn't state a client

so the shortfall has been sold on to TBI.

 

TBI at the best of times only chase lemon debts.

 

this thread

refers:

http://www.consumeractiongroup.co.uk/forum/showthread.php?472992-Wave-mortgage-sold-to-WEBB-then-1st-credit-now-TBI-chasing-fraudulant-shortfall

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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Already separate thread running for this.

 

The 6 years mortgage shortfall period mentioned in council for mortgage lenders policy is not related to statute of limitations. It was brought in because mortgage lenders were chasing debts years after not bothering. So mortgage lenders are required to contact debtors within 6 years of repossession about the shortfall amount. As long as they do write to the debtor, they have the normal 12 years limitations period for mortgage debts.

 

Dx does have a point that TBI financial do purchase niche (lemon) debts, so they might have bought it.

 

If you search online about g-mac mortgages, they got into trouble with regulators in 2009 and were fined. They had been applying excessive arrears charges and had to issue refunds.

 

If g-mac made your financial position worse and partly caused the repossession due to their unfair behaviour, then there may be grounds for complaint.

We could do with some help from you.

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So they have been assigned the benefit. Rights to chase payment but have not purchased the debt ?

 

Are g-mac still administering mortgages ?

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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attachment redacted properly.

 

 

doesn't say will anywhere

its a simple threat-o-gram

follow andyorch's advise post 2.

 

 

do not write back to these fleecers.

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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