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    • OK.  So you lent your car to a friend in 2019 and he racked up three parking tickets that he tells you he didn't know anything about(!).  You were the registered keeper (RK) at the time at your family address, but you got chucked out and could not change your RK address with DVLA because you were homeless.  You knew nothing about the parking tickets and enforcement action until you got a bailiffs' letter passed on to you.  You made an Out of Time (OOT) application in respect of one PCN but Birmingham CC objected to it and the traffic court rejected your application.  A solicitor helped you make OOTs in respect of the other two PCNs but you don't yet know the outcome of those two applications.   Is that the situation you are in?   dx100uk thinks you can resubmit the application saying your friend was the driver.  I don't think saying that will help as the driver is irrelevant.  It's the owner who is liable to pay the charge and that is the RK (unless the RK is a car hire firm).  I assume you are not a car hire firm so you are stuck with the liability, not the driver.   Whether you actually can resubmit an OOT once one has been rejected I do not know, but why not try.  What did the solicitor put on the applications they helped you with?  Did you not ask their advice about the rejected application while you were with them?  I think you would have to say something to the effect that you never received any paperwork in relation to the PCNs because you had been chucked out of your home and because you were homeless you did not update your address at DVLA.  That is the truth isn't it?  You don't want to lie on the application.   To me that's a good reason for you not doing anything about the PCNs, but I suspect that Birmingham CC will object again and that the traffic court will reject again.  And, as I said above, I don't even know if you can submit a second OOT application in respect of a PCN if the first has been rejected.   So it looks to me like you might be a bit stuck.   Unless dx100uk, or spaceman61, or another poster with expertise in local authority PCNs comes along I'm not sure what you do.   If you get no more helpful suggestions here you could try on National Consumer Service.  If you do go there, do not register with a hotmail address.  You will also need to provide them with a timeline of everything for all the documents you actually have, and you will need all the facts and dates etc at your fingertips.  And make sure they are accurate.   http://forums.National Consumer Service.com/index.php?showforum=30   And get your friend to contribute to paying off the PCNs.  Do you believe he really knew nothing about them?
    • To enjoy the protection offered by s.75 CCA 1974 for a credit card payment, you must pay over £100 and under £30,000 for the goods or service (even if part payment for a larger total amount).
    • Hi Charlie and welcome to CAG   As an Executor, you have a duty to insure the property and tell the currect insurer of the passing of the deceased.   Most insurers will refuse normal contents cover on a house left unoccupied beyond 60 days. So, unoccupied, the home will not be insured against break-in damage, theft, flood, accidental damage, etc.   You may be able to obtain FLEE insurance covering only Fire, Lightening, Explosion and Earthquake. It may cost more than usual contents cover  because the home is unoccupied, even though the level/amount of cover is less than for an occupied home.   As said here already, an Executor would be wise (or indeed have a duty) to remove valuables from the home if you have somewhere safer to store them pending Probate, distribution, sale, etc.   I hope if you can explain the insurance risks to YB and assure him that you are not taking items just for your own benefit, he may see sense.   Please keep us updated ............
    • yours is not the next move   dx  
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Hiya

- I'm writing this as I've just cancelled a DD to the above and after seeing other people's experiences with them - I'm expecting trouble!

 

I was contacted by an organisation last October by phone saying that they would guarantee you entries into loads of different competitions every week and they'd virtually guaranteed you win a or some prizes. It was £12.95 every month and you could cancel whenever - no obligation!

 

 

Well after hearing and winning nothing - I cancelled the DD

 

 

saw that others who had done the same were getting and being pursed by debt companies.

 

 

Apparently the company says that you have entered into a 24 month contract with them as per their letter sent

( which no one has received or had any knowledge about)

and they are billing you for the or remaining months up to the 24!

 

Has anybody had any dealings with them and / or what I should do to stop this from happening?

Thank you

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about time you told a few people how to deal with them then...

 

 

firstly go ring you bank and tell them the on XX date you discovered a DD you did not recognise nor had received a DD mandate for and that you cancelled it as soon as you saw it.

and that you want to invoke the DD guarantee which means you get every payments back, which under the DD guarantee is your legal right.

 

 

then sit back and laugh

you'll get scary letters from some DCA or another that are totally powerless

a DCA is NOT A BAILIFF

and has

NO SUCH LEGAL POWERS.

 

 

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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  • 1 year later...

Hi

my husband inadvertently got spoofed with this over the phone.

 

I read the paper that came with it and sent a cancellation letter in order with the terms of their agreement with their agreed notice period.

 

They ignored the cancellation letter sent in January 2018 and next sent a letter stating when Direct Debit payments will be taken out of this account.

 

Checked his bank account, cancelled the Direct Debit

- contacted the bank to tell them under no circumstances allow them to re-set it up.

 

Sent emails stating all this - next get phone calls.

 

My husband says he's going to ignore any more paperwork eg DCA's letter that may come

 

I am worried that we will be stuck in a spiral of hassel and debt from them

- even though we have done the right thing.

Edited by dx100uk
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please start a new thread

of your own please

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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