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    • So far the declared value is confirmed and documemted the first Claim got agreed and they kept delaying saying the refund will show 5-7 days for BACS but that not true! I VE been chaising this since 28th september, told on 2nd October I needed to send my bank details again as they seemed they got it wrong but not my fault yet they had it since 2nd October! Thats over 2 weeks! I GET Money via bank bacs and from Europe and recently in 3 Days and in the UK its same day and instant! They re messing me about and nothing else! For contents its a Marshall  speaker small bleutooth one value 127.99 And 2nd parcel stollen last week and an empty bag delivered yesterday for Marshall Headphones vzlue 121.99 all sold via virifiable links and invoices and all fully covered tonits value, and payment all prooven as well as refunds. The first claim was agreed but still no payment 2nd Claim had to file it yesterday and he re the empty bag!
    • Yes it will be straightforward – but you may as well give us better information so we can check that everything is in a row. What was in the parcels? When were they sent? Was the value correctly declared? I understand you had insurance.   Have you been formerly declined compensation? If so then what was the reason given?   Also, you need to spend some time reading up on the Hermes threads on this sub- forum so that you understand the way it goes. It is pretty well always the same. It's essential that you understand the steps and so it is essential that you do the reading. In addition to answering the questions above, please confirm that you have done the reading or the you will be doing it.
    • In order for an NTK to be compliant it has to comply with PoFA. If it is not compliant then the keeper cannot be held liable for the PCN.  I have included the wording from S8 though  s9 is identical in the part I have copied below. You will see that at the beginning  "The Notice  'must' " which in Law means the wording  is to be stictly observed (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; (c)state that a notice to driver relating to the specified period of parking has been given and repeat the information in that notice as required by paragraph 7(2)(b), (c) and (f); (d)if the unpaid parking charges specified in that notice to driver as required by paragraph 7(2)(c) have been paid in part, specify the amount that remains unpaid, as at a time which is— (i)specified in the notice to keeper, and (ii)no later than the end of the day before the day on which the notice is either sent by post or, as the case may be, handed to or left at a current address for service for the keeper (see sub-paragraph (4)); (e)state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges; or (ii)if the keeper was not the driver of the vehicle, to notify the creditor of the name of the driver and a current address for service for the driver and to pass the notice on to the driver; (f)warn the keeper that if, at the end of the period of 28 days beginning with the day after that on which the notice to keeper is given— (i)the amount of the unpaid parking charges (as specified under paragraph (c) or (d)) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; (g)inform the keeper of any discount offered for prompt payment and the arrangements for the resolution of disputes or complaints that are available; (h)identify the creditor and specify how and to whom payment or notification to the creditor may be made; (i)specify the date on which the notice is sent (if it is sent by post) or given (in any other case).   If you compare that with the NTK you weresent you will see that your one does not include  "   (if all the applicable conditions under this Schedule are met) " Your NTK also states that if you don't pay the £100 that you will be liable for debt collection charges up to £60. this contradicts section 4 of PoFA where it covers the right of the parking crooks to pursue motorists [5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 8(2)(c) or (d) or, as the case may be, 9(2)(d) (less any payments towards the unpaid parking charges which are received after the time so specified).   So their NTK is non compliant in two places.    In any event Ambreen is wrong to declare that if they cannot pursue the keeper than they can assume that the keeper was the driver. The court will not entertain that idea -VCS need to provide strict proof that the keeper is the driver. So despite Ambreen claiming that they can proceed against the keeper she is wrong. [17,18 and !9 of her WS]. They quote Parking Eye v Beavis   [22] which is irrelevant since that was a free car park and yours is a residential parking space covered by a lease which VCS cannot overturn.    
    • I can't remember if we mentioned that Door Matt was offered a job as UN envoy to help Africa to recover from Covid.   According to several people on Twitter, the UN seem to have read the joint select committee report on the UK's handling of the pandemic and withdrawn the job offer.
    • Everything that you think you might need during the hearing – you have to disclose in advance to the other side. If you're making allegations of false representation then he has to have a chance to know about it in advance so he can then consider his position and decide on his responses. On the other hand, you disclose this evidence but you don't need to disclose in advance the comments you are going to make about it. So you don't need for us to say that this is a false representation. You simply need to include documents which show the website et cetera. He may ask himself why on earth are these documents being disclosed – but he will have to wait until the hearing in order to discover that. We are going back once again to the beginning where it was a shame that this wasn't included as a head of damage. It would have been extremely serious and the damages available to you would have been far greater.
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Tesco personal loan - cannot afford full payment anymore


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I understand, I will keep you guys updated if anything changes.

Do you mean I have a slim chance of losing in court as I am still paying them all I can afford?

 

Also I've renegotiated with my other credit and dropped them down to a certain amount so I can pay Tesco equally.

Shall I just send them this new budget form with updated details of this and mention I will be paying them the new amount monthly?

Or just leave it all and just carry on paying x/month without replying like DX mentions.

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99% of original creditors do not do court.

to much to lose with bad publicity they'd rather sell the debt on and reclaim their losses [if ANY] through their insurance, tax reclaim and built-in business models that accommodate such 'losses']

 

if you can pay more then when you can do so.

remember the golden rule..

its YOUR money , you control it ..NOT your creditors.

just pay what you say or move to when you have said and do it.

you don't need their permission.

 

 

if a creditor were not to help you [ie refrain from charging interest and levying penalty charges ] then you write again with letter 2 , expressing your displeasure, and drop their payments right down, as they are NOT helping you as they should

 

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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pers i'd simply pay more if you CAN comfortably..

 

no need to tell 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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Why pay more? Use that money for something in your life that you need. Or put away for a rainy day. Dont go short to pay more than youre paying others.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Understood, I'm just going to carry on paying what I said I will and I won't be replying to this letter.

 

Also, I'm moving homes but I have setup a Royal Mail redirection service, shall I inform them of my change of address?

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yes and ALL THE OTHERS ON YOUR CREDIT FILE.

as well as any utils etc and don't forget car V5C and Driving licence.

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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Also I've renegotiated with my other credit and dropped them down to a certain amount so I can pay Tesco equally.

 

You shouldn't be paying your creditors equally but on a pro-rata basis which means you should split your disposable income between all of your creditors depending on how much you owe each one. The creditor you owe the most money to receives the largest proportion of your disposable income. There are calculators online which can calculate the repayments for you, just search for "non-priority debt calculator".

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You should treat all of your creditors fairly, which means making repayments on a pro-rata basis, not doing so can result in a 'preference'. If you become insolvent in the future, Bankruptcy, IVA, DRO, Administration Order, any preferential payments to creditors can be reversed.

 

As an example, you owe Tesco £10,000, Barclays £5,000 and your brother £7,000. You choose to pay your brother £7,000 and offer Tesco and Barclays pro-rata payments from disposable income. If you then become insolvent, any transactions you have made (within time limits) will be scrutinised. In this scenario, you have made a preferential payment to your brother which can be reversed, leaving your brother liable to repay £7,000. The same applies to all creditors, any preferential payments to creditors can be reversed, resulting in you becoming liable for debts which you may think are already settled.

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  • 3 weeks later...

Hi,

 

Got it all sorted and paying them on a pro-rata basis for the next few months.

They've also sent me a default notice and said the arrears on my account have to be paid within 28 days.

Is this just generic? Because they have acknowledged that I will be paying them pro-rata.

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good they've sent a default notice

and no you don't have to pay the arrears by that date

then it gives them the OK to register a default after that date IF they want too

which is what you want.

as no-matter what now happens..

once the default IS registered

paid or not, paying or not...the account will vanish from your file in 6yrs.

doesn't mean it might not still be owed mind...

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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  • 4 weeks later...

Hi,

 

I've just received another stating I must pay the whole remaining balance in a week, otherwise they will send it to their recoveries department to work out a payment plan or send my account to a debt collector or put a default on my credit file.

 

I have already agreed a payment plan for 6 months, are these just generic letters or do I need to reply to them?

 

Thank you.

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generic

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

Ignore them. Theyre automatic and have no human input. You have a repayment plan in place. Stick to it without fail, and if a silly no powers DCA sends a letter , tell them to take a running jump, as a plan is in place, and any further communication by them will be ignored.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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