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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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I recently went back to my old place of work, after a three month break, and parked out back as per normal.

 

Unbeknown to me, the landlord of the building have got a company call OPC to manage the spaces, and ticket anyone without one of their permits, which of course I did not have.

 

They do have signs up listing the terms of parking in the car park, but I never noticed these, and have got a ticket.

 

I've attached scans of the ticket to see whether any of you knowledgable souls can see some way of getting out of this, as I really, really cannot afford the amount they are asking for!!

 

Thanks

 

ft2_.jpgparking.jpg

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Interestingly, it says that the OPC operative must be parked in the area

 

"This private parking ticket has been issued by a(sic) operative of OPC whilst parked or stopped within an area under patrol by OPC"

 

So in addition to the usual proofs for a private ticket, should they ever take it to court, they will have to prove that their operative was parked or stopped in the area and not on foot or parked on the public highway.

 

Also, they say that they will approach the DVLA for details of the vehicle

 

"In the event of non-payment a request will be made to the DVLA seeking the relevant details of any vehicle issued a private parking ticket"

 

The DVLA do not hold details of private parking tickets, so it would be difficult for them to provide information on any vehicle that has ever had such a ticket.

 

Normally, leeches like these will explicitly state that they will apply to the DVLA for details of the registered keeper.

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So should I write them a letter, and ask them to prove who was driving the vehicle in question, and if so, does anyone have a sample letter that I can use?

 

Thanks!!

 

Not quite.

 

You shouldn't be asking them to prove anything

 

Simply write pointing out that any contract that may exist by 'implied consent' can only be with the driver of the vehicle; that you are the registered keeper and as such, not a party to any such alleged contract; that you are under no obligation to provide them with information as to who the driver was at the time.

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  • 1 month later...
Not quite.

 

You shouldn't be asking them to prove anything

 

Simply write pointing out that any contract that may exist by 'implied consent' can only be with the driver of the vehicle; that you are the registered keeper and as such, not a party to any such alleged contract; that you are under no obligation to provide them with information as to who the driver was at the time.

 

Just to follow up on this, I sent a letter stating the above, and I've received a letter back no stating:-

 

"We note that a claim is made that the vehicle was being driven by a third party at the time.

 

Please provide full contact details for the driver so that we may correspond with the correct person.

 

Should you not provide such information as required, within 14 days, we shall be left with no alternative but to put this debt to court and for such court to request these details. I must inform you however this will be viewed as abuse of the process and a waste of court time which could have been avoided."

 

What is my next move against these thugs?

 

Unfortunately, the original ticket scans have gone, from the message above, but this is a private parking ticket from a company called OPC based in Watford...

 

Help!!

 

Thanks

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Hello Spinningfish,

I urge you to read the thread 'UK Parkforce Enforcement Agency(Parkforce).'They are a private enforcement company too.Both Phantom reclaimer and myself have had tickets from private companies and neither of us has paid them or heard anything from them yet. My letter to County Parking (my private enforcement company),is posted on the above mentioned thread.You don't have to pay them, according to contract law, penalties are unenforceable.(Same law as is being used to recover bank charges).

Good luck!

B

BELLA 47

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Just to follow up on this, I sent a letter stating the above, and I've received a letter back no stating:-

 

"We note that a claim is made that the vehicle was being driven by a third party at the time.

 

Please provide full contact details for the driver so that we may correspond with the correct person.

 

Should you not provide such information as required, within 14 days, we shall be left with no alternative but to put this debt to court and for such court to request these details. I must inform you however this will be viewed as abuse of the process and a waste of court time which could have been avoided."

 

What is my next move against these thugs?

 

Unfortunately, the original ticket scans have gone, from the message above, but this is a private parking ticket from a company called OPC based in Watford...

 

Help!!

 

Thanks

 

just ignore this - legally, you do not have to provide the details of who was driving, and they cannot prove who was the driver at the time

 

meaning......there is no way they can find out who is responsible for payment of the ticket - if the ticket is even enforceable anyway...

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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I've just had a similar experience in Tesco. One of my children parked on double yellows at our local Tesco, on the one day in the year when they had parking controllers in. A parking charge notice was left, but the child in question didn't own up. Last week I received a letter from Euro Car Parks, stating that I had to pay up as I am the registered owner.

 

I rang them the same day and couldn't get through on the number given - was left on hold for 15 minutes. I got a number from the website and spoke to someone who gave me another number to ring. I rang that number and spoke to someone who said Merlin would ring me back (if he ever got time!). in frustration, I got the names and addresses of the directors from companies house (cost 1.00), then sent an email to Customer Services stating that if they didn't ring me back by 5 pm I was writing to every director on the list.

 

Verity rang me back, and tried to tell me that as the owner I was liable. I asked her for the legislation or case law to back it up, and she couldn't provide it, so I pointed out that this is obviously a civil matter. She then appealed to my better nature, stating that my kids should be taught a lesson. I said that I didn't think me paying up for their misdemeanors would teach them anything except their mother is a soft touch.

 

I also said I didn't know which child was driving, so could not provide her with their details.

 

Told her to take me to court asap. She tried to scare me with the vision of debt collectors banging on my door, until I told her I work with these people day after day, and that they and the courts do not frighten me.

 

0I pointed out that debt collectors can not call at your property with a signwritten van saying 'DEBT COLLECTOR', so only I would know what they were after. Once I had stated this is a civil debt, she caved in and wrote the debt off. I haven't even written a letter - don't be scared of these people, and if you don't want to confront them over the phone then send the letters - they really do not have a leg to stand on.

 

My favourite part was when Verity said they were taking a loss on this ticket - it made my Christmas. Best of luck, and remember - they can't hit you and they can't send you to prison. Go for it - you'll win!

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Generally speaking, whoever owns the car park will have a contact with the warden and be able to say "This person works for us, but hadn't had a permit issued on that day, please can you scratch the ticket off".

 

I used to get this all the time when I worked for Tesco's, as I have use if a few vehicles, and was always forgetting to switch my staff permit between them. I just used to give them back to the warden, say sorry, and he'd cross it off.

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Guest xipetotec46

Should you not provide such information as required, within 14 days, we shall be left with no alternative but to put this debt to court and for such court to request these details. I must inform you however this will be viewed as abuse of the process and a waste of court time which could have been avoided."

 

 

They cannot take you to a magistrates court, your offence is a Penal offence not a criminal offence, they can take you to a County Court however they would have to pay a minimum of £250 to lodge the complaint, they can also take you through the small claims track, again this will cost them money and they could lose, in both courts, my advice is hang in there and tell them who the names of the children are who could have been driving the car and and let them try to pursue a claim through them, my bet is that they will drop it especially if you have 2 or more kids with licences you have told them who could have been driving so the burden of proof is with them I doubt whether they would waste time interviwing the kids. let me tell you a story, 3 years ago I went to Tenerife for an holiday, about a month after i returned I received a Notice to owner from a council in the lake district 150 miles away for a parking payment for overstaying the time, I informed them I was in tenerife and attached the airline stub tickets with my name and my wifes name on which proved I was in tenerife at the time of the contravention, I informed them that the vehicle a Ford escort Van was a company vehicle and should not have been driven whilst I was on holiday I told them one of my three sons was driving it and gave them their names and addresses adding that if they can find out which son it was who was driving the van they would be sacked, i never got a reply and never heard another thing about it.

Barry

P.S answer each letter you receive promptly keep it simple, short and to the point, this will go in your favour.

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Just to follow up on this, I sent a letter stating the above, and I've received a letter back no stating:-

 

"We note that a claim is made that the vehicle was being driven by a third party at the time.

 

Please provide full contact details for the driver so that we may correspond with the correct person.

 

Should you not provide such information as required, within 14 days, we shall be left with no alternative but to put this debt to court and for such court to request these details. I must inform you however this will be viewed as abuse of the process and a waste of court time which could have been avoided."

 

What is my next move against these thugs?

 

 

 

You have two choices.

 

1) Ignore it - they have no case to take to a civil court, nor do you have any legal obligation to inform then of the driver's details.

 

2) Have some fun by writing back to point out that you made a statement, not a claim and that you would be willing to provide details of the driver if, and only if, they can supply you with details of the relevant legislation that requires you to supply these details. Add that any other communication from them that does not contain the above legal reference or is informing you that the 'ticket' has been cancelled, will be viewed as harrassment and reported as such to the relevant authorities.

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  • 4 months later...
You have two choices.

 

1) Ignore it - they have no case to take to a civil court, nor do you have any legal obligation to inform then of the driver's details.

 

2) Have some fun by writing back to point out that you made a statement, not a claim and that you would be willing to provide details of the driver if, and only if, they can supply you with details of the relevant legislation that requires you to supply these details. Add that any other communication from them that does not contain the above legal reference or is informing you that the 'ticket' has been cancelled, will be viewed as harrassment and reported as such to the relevant authorities.

 

Hi All

 

Well this appaears to have reared its ugly head again...

 

Having followed Pat Davies' option 2, as quoted above, during the beginning of January, I heard nothing and assumed this was now all dealt with.

 

Apparently, OPC, the original issuers of the parking ticket have passed this on to debt collectors Windsor-Smythe & Partners. My mum received the following letter a few days back...

 

"We are under instruction, by our client OPC, to recover the debt outstanding.

 

You entered an OPC patrolled area, which subject to the terms and conditions of use of that private land you agreed to pay the sum of £100.00 if you did not adhere to the 'terms and conditions' as displayed. According to the records held by OPC your vehicle was found in an OPC area in contravention of the said 'terms and conditions'.

 

OPC issued you with a notice of proposed action on 22nd November 2006. The original amount owed has now incurred administration charges of £64"

 

Cheeky what-nots! Instead of providing me with the legislation I requested, they have passed the debt on. Nice. Also, if I don't pay by the end of the month it's going to county court. Scary.

 

Should I send another letter to these cowboys, again requesting the legislation allowing them to get the driver name out of my mother?

 

Also, which authority can I report them to for harassment?

 

Thanks

 

Mr Fish...

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I would write back to this DCA and point out that you dispute any debt to their client as no contract exists between the Registered Keeper and their client.

 

Add that they should confirm to you that they have passed the matter back to their client or started court proceedings - which you would welcome as you would robustly defend any claim and would be glad of the opportunity to counter-sue for your costs, time, etc.

 

 

Harassment should be reported to the Police - if the desk staff will not take notice then demand to see the station officer and if this fails, write to the Chief Constable to ask that action be taken against this company (OPC).

 

The Police may try to tell you that it is a civil matter. The alleged debt is; the harassment is a criminal matter that falls within their remit.

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When you do go to the police, as pat said, they may try and say 'civil!' and hide under their desks (saves on paperwork :rolleyes: ) so here's some info to back you up.

 

http://www.consumeractiongroup.co.uk/forum/parking-traffic-wardens/65341-private-parking-companies-charges.html

-----

Click the scales if I've been useful! :)

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  • 2 weeks later...
  • 2 weeks later...

Apparently not.

 

I'm actually getting really, really hacked off with this lot.

 

They've again written to my mother to tell her that unless she pays the bailiffs will be round and that we have ignored THEIR requests. They have ignored MY blasted letter.

 

I'm so angry I could explode. These are bully tactics...

 

Right. What can I do to end this once and for all? The mood I'm in, I'm going to go down to Liverpool and drag one of these so called solicitors out of Windsor Smythe & Partners and beat him senseless... :mad:

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Very unlikely, because they know where they stand legally. They rely on bullying people into submission with the approach they are using on you. Let them carry on with it.As long as you stick to your guns and don't waver they will get nowhere.

 

And there is no way they can send bailiffs to your door without any form of judgement in their favour from the small claims court.

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