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    • Will try get clear pics of signage.
    • Part of the POFA rules for creating a liability to pay a parking co is identifying the land they control so is there another palce of the incorrect name? If so then photographs of the other site will prove that your vehicle cnat possibly have been there as the images they will produce wont match the background etc. If however Bromhall developments is the name of their employer would the land in question be known by the same name for the entire development?   The POC is the usual rubbish and inaccurate one they cribbed from Gladstones so can be attacked in your outline defence.   Now I have googled Broomhall developments and they are an Irish Co that has bult a similar named housing estate in IRELAND. ther is also  a Broomhall gateway development plan for SCOTLAND but nothing in England, let alone Sheffield specifically   defence has to be in a fortnight after the deadline for the AOS assuming you get that in on time.   On google noseyneighbour I can see signs near to the parking bays that say permit holders only so unless you have a permit the signage doesnt apply to youas you would be prohibited fro parking there anyway. So with this in mind were you parked in a bay or on the road? Were you visiting or connected to the property that bay was allocated to and if so can you find out if the bay is part fo the property and noted in the deeds. If it is then it has nowt to do with VCS.   So you are going to grab some pictures and then you compare these to the web site of Broomhall development in ireland and that will be part fo your evidence   Also ask council when the Close was adopted by council as it appears to be a public highway
    • Ericsbrother   If I had the opportunity at the time I would have argued the value on the Court claim, however this wouldn't have changed by a significant amount.  So asking for it to be set aside is probably not going to end this in the long run.   No we don't owe any money to the business.   We have a good set of books and records.  No account filed as of yet.   The company is still 'active' on companies house and has not been dissolved.  We only received the Notice of enforcement a few days ago.       What makes you think they can force entry into a domestic property?      
    • Sorry but I think that it is rather precipitative giving advice – and rather over-generalised advice at that – until we understand more detail about the circumstances.
    • now the terms will specify that they can cancel if weather if bad etc and you have to accept that but by doing so they have to accept that the voucher's term is extended or they must refund for their failure to perform to the contract. essentially you should have asked for a refund on a no fly day and they would have to comply and by continuing to  accept things you were blindly accepting alterations to the original conrcat and that makes things more difficult. i would write again giving them 14 days to refund as they ahve filed to perform to their contractual obligations and then sue them if they still dont cough up. However, this meaqns you must follow through with the threat of cort action so before you start you need to read up on the relevant consumer legislation and also about performance of contracts
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Hi Guys,

 

Apologies if this is a previous topic, i've searched the forum for this but not sure the best way to term the search.

 

My wife and I both went bankrupt in 2015

were discharged in 2016

(i should note that we were not married at the time and married shortly after the discharge)...

 

a year later i began looking at my credit record to see how bad the situation was and noticed a few incorrect entries on my file.

i spoke to Experian about sorting out the records who then also wrote to all my previous creditors asking them to update all their records.

 

over a few weeks i noticed that although all the old accounts on my file were still marked as defaulted,

the amounts owing were all changed to £0

i assume because these were written off in the bankruptcy.

This happened on all accounts except 2 of them,

 

these 2 were:

 

  • PRA Group (debt collection for payday loan)
  • Three Communications or a debt collector for them

 

Shortly after i had contacted Experian the "PRA Group" debt started writing to me asking me to settle the account to "improve my file"

there was nothing threatening just the usual annual account statement that they say they have to send me.

 

I heard nothing from the "Three Communications" debt until last week

when they sent me an offer letter to get the account settled, again "to help improve my circumstances"

 

Curiously i noticed that the three communications account has now completely disappeared from my experian file.

 

I have checked the paper work and both these accounts were in the bankruptcy...

I have some questions about these experiences.

 

1. Wouldn't it be a breach of my bankruptcy to pay these creditors and therefore...

2. Do i have the right to send them a letter back telling them where to get off..

3. Do i have the right to ask them to zero the account like all my other creditors have

so that my defaulted credit balance is now £0 (even if it as compensation for harrassing me)

 

Many Thanks for any help.

 

Mark

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If included in Bankruptcy and they were confirmed as being "Written Off" then i think telling them Foxtrot OScar is the right thing to do :)

 

As for the others, having a friend who went through a DRO - hard to say. I think they should at least be updated to Satisfied i believe...

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Agree if included in Bankruptcy and confirmed tell them where to go but also notify the Trustee/Official Receiver that was dealing with the Bankruptcy of this as well.


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as long as the debts have a defaulted date at or before the BK date

whatever is there is not hurting you nor effecting your score.

 

as for asking for payment.

I would expect this was dealt with direct to three and they've not updated the file.

thus the powerless fleecers know know different either


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