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    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
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    • nope  and  neither dx
    • Ok Thank you DX will do just that . will keep you up dated.
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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.

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2 x PCNs from Euro Car Park Bromsgrove Street, Birmingham - NTK


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Hi all

 

We have received two PCN's from a Euro Car Park - members of BPA demanding payment of £100 each for both mine and my husband's cars. The date issued is 17/12/2016.

 

I cannot recall the full details of the incident so I am relying on their evidence to advise me - however it looks to be very lacking in detail with simply an images of my number plate twice with text underneath it alleging the time of entry and exit. Now this does not seem sufficient to me but you tell me....

 

Is there advise on the best route of action to take as this is the first letter from them i want to deal with the matter asap but do not want to pay. is there a thread on here that i might've missed that talks about what to do

 

Many thanks

Tam

page 2.jpg

page 1.jpg

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could you make those into PDF please so we can zoom and read them

upload

 

 

you also need to redact them properly

ref numbers etc showing

I have hidden them.

 

 

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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Hey guys,

 

I have attached the pdf with correctly redacted version.

 

The incident is alleged to have occurred on Euro Car Park Bromsgrove Street, Birmingham - image attached.

 

They are using ANPR and have alleged that we overstayed.

 

 

This is the first letter they have sent me and the evidence they have included in the letter is a snippet of my number plate.

 

 

I don't know what they are proving with this?

except that they have an image of my number plate

 

I am wondering whether I should reply to them or appeal or ignore?

Any advice

 

Thanks

Tam

EUROCARPARK.pdf

Bromsgrove St - Birmingham.jpg

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ref numbers showing in letter

and we can goto google earth too but it prob well out of date.

unapproved them

 

 

can you not get there and take pghotos yourself

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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Share on other sites

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