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    • Thanks dx. I will ignore until I hear anything further from them.  
    • So, so far we have -   1.  Appalling signage with the £60/£100-ish charge in particular being illegible.  No PP either.   2.  Double dipping, you actually obeyed what was on their silly signs.   3.  No locus standi.  A blank unsigned template is not a letter, let alone a contract.   4.  Double recovery.  As well as £50 legal costs they have invented £60 Unicorn Food Tax.   WS in post 99 is useful for (1), (3) & (4)  https://www.consumeractiongroup.co.uk/topic/417771-cel-pcn-claimform-tenerife-buildings-station-road-south-gosforth-newcastle-ne3-1qd-claim-discontinued/page/4/#comments   WS in post 87 is useful for (1), (3) & (4)  https://www.consumeractiongroup.co.uk/topic/421029-opcdcb-legal-anpr-pcn-paoloc-now-claimform-overstay-st-johns-retail-park-wolves-claim-discontinued/page/4/#comments   WS in post 122 is again useful for (1), (3) & 4  https://www.consumeractiongroup.co.uk/topic/410445-ukcpmgladstones-windscreen-pcn-claimform-vista-centre-salisbury-rd-hounslow-tw4-6jq-claim-dismissed/page/5/#comments   WS in post 58 with comments in post 59 useful for (3) and (4)  https://www.consumeractiongroup.co.uk/topic/422971-excel-anpr-windscreen-pcn-claimform-brewery-st-car-park-chesterfield-on-0207-2018-claim-dismissed/page/3/#comments   I haven't got time to look at the lot, but there are probably useful WSs in the following (scroll down the pages till you come to the WS, which will always be an attachment)   https://www.consumeractiongroup.co.uk/topic/419899-ukcpmgladstones-spycar-pcn-claimform-no-stopping-trinity-park-birm-airport-claim-dismissed/   https://www.consumeractiongroup.co.uk/topic/414313-cpmbw-windscreen-pcns-bw-pap-loc-now-claimform-residential-car-park-the-citrus-building-maderia-road-bournemouth-claim-dismissed-with-costs/   https://www.consumeractiongroup.co.uk/topic/421756-vcs-pcn-claimform-broomfield-developements-broomspring-close-s37xa-claim-dismissed/   https://www.consumeractiongroup.co.uk/topic/429200-excel-pcn-claimform-broomhill-roof-car-park-in-sheffield-claim-dismissed/   https://www.consumeractiongroup.co.uk/topic/419312-vcs-pcn-claimform-no-stopping-in-restricted-zone-bristol-airport-claim-dismissed/    
    • I don't understand why Leave.eu would want to leave and then stay in Europe anyway. I'm sure you don't either, TJ.    
    • Because we've seen the PPCs' antics a thousand times.  They always refuse appeals.  On every occasion they send out the same standard "threatening" letters.  In each case they then involve a third party to pretend the matter has somehow got more serious and the sum owed has increased.  It's got nothing to do with "sticking by their guns", it's what they always do, whether their case is good or if it's pants.   What do you think an unbiased judge would decide when you prove there was no sign at the entrance, just one in the car park at the height of the stratosphere, that the cafè owners had to stick up their own signs to protect their customers, that ages after your visit PCMUK finally installed decent signage, etc., etc? 
    • Thank you Andy    The Court have not confirmed solicitors so we shall proceed as agreed with the DQ by 25 January 2021.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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Bankruptcy threat on a personal guarantee - can anyone help please ?


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Hi all

I am new the CAG i would just like to see if anyone could help or give me the best advice

on bankruptcy on a personal agreement

 

my partner and i are directors of a LTD company

 

The LTD company had a debt with a supplier (not sure if i can post their name )

 

the debt was 11938.71

 

in March this year they sent us a statutory demand / winding up petition which we did not want to happen as thats our monthly income so if they wound the company up me and my partner would have no income to pay the debt off

 

we agreed with their solicitors a payment plan of £500 per month ( under the understanding the winding up petition would still be in place but on hold if we fail to make our payments ) and they would look into it in 6 months time to see if we can pay more off the debt

we paid them on time each month and stuck to our word

 

then at the beginning of July the winding up petition went active

again we called to see the reason why as we stuck to our word and never missed a payment

their reply was they want their money sooner rather than later

 

we have sold the LTD company on but because me and my partner signed a Personal Agreement they are coming after us personally

(also the personal agreement does not have my correct D.O.B )

 

i had a gentleman come out to my house trying to serve me with a bankruptcy petition

 

he has been twice and posted a letter saying he will arrive on such a day at such a time to serve me with the petition

he came but i never answered to him

 

he has been out in total of 4 times

am not sure whats the best thing to do

do i take the petition off him or not ?

 

i am willing to set up a payment plan instead of going bankrupt

just do not want the same to happen where i pay them a few months then they try to make me bankrupt again

 

can anyone help please

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moved to general legal forum...

 

do you mean you both signed personal guarantees?

and was this when to started the supply agreement

or at a later date when you were fending off the BK attempt?

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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HI Dx100uk

 

yes we have both signed personal guarantees when we opened the account

but for some reason they are only sending me the bankrupt petition and not my partner

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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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it says in the declaration of the PG should be signed by a director or partners company secretary or proprietor of the business

then me and my partner have put our names and signed

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should not must...

 

not sure if its important not my bag sadly others will help.

 

but if you didn't put your status in the company following your name...dunno...

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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thread title updated

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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That is the legal process unfortunately.

They don't have to give a reason why they want the money now.

 

You need to make contact but as you have had an arrangement already, I dont think they will accept another one.

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oh and yes name the company.

 

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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Hi Sgtbush can they make us go bankrupt then

 

do i accept the petition next time they knock with it?

 

When we were paying the arrangement it was under the company name if that matters

 

i can attached a copy of the PG if thats any help

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Wrong.

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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Dx is being "picky"

Just like when someone says a private parking notice is a " fine"

And the reply is its a debt with no further help.

 

Ivebeen quite general in my terms and layout but the facts are layed out in the link.

They can demand a winding up or as you have a directors personal guarantee, a bankruptcy.

 

You need to contact them as you cannot disagre with it as you have already had an arrangement. Even though you complied with it too the letter, there is still a balance

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we need to see this supposed PG and its wording

think you've been had here sadly.

an SD should not be used as a debt collection tool.

 

so HAS this actually been to court?

 

I bet not and all of this has been done mostly on the phone too ?

 

evidence please not speculation....

 

read upload

scan the docs up one multipage pdf

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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Have you considered a CVA (Company Voluntary Arrangement)

 

https://www.gov.uk/company-voluntary-arrangements

 

Did you PG provide for ‘Cap’ a Director’s Liabilities ?

 

Every personal guarantee is different so you should check the small print for your particular situation.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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Hi I have attached my declaration part of my PG

 

I have attached my declaration part of my PG

 

It has not been to court as i have not been served the bankruptcy petition yet as they are trying to serve me with it as they posted a letter stating they are going to come at such a time on such a date an have been in a total of 4 times but only one was a actual arranged time i l knew about as they posted a letter stating this this is how i know they are trying to serve me

 

should i accept the petition or not not sure what the best thing is to do

 

all communication with them in the past has been done via telephone and email

 

The CVA would not be suitable for us as we have sold the company

 

The creditors are coming after us personally

 

i have attached the declaration of my PG if this helps

 

Thanks

PG.pdf

Edited by dx100uk
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" then at the beginning of July the winding up petition went active "

 

" i have not been served the bankruptcy petition yet as they are trying to serve me with it "

 

Insolvency law does not specifically cover an application by a company to set aside a statutory demand. However, any person has the right to defend legal proceedings, so a company can apply to stop the process.

 

If your company has a valid defence to the demand, it can apply to the court to stop the creditor presenting a winding-up petition. You should seek legal advice before applying to the court.

 

If you succeed in the application to stop the creditor presenting a winding-up petition, the creditor will have to pay the hearing costs. If the application fails, you will have to pay them.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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The Company is no longer ours so we are really not worrying about the winding up petition as its the new owners responsibility

 

what we are concerned about is the bankruptcy petition

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Yes I am aware of that...is the creditor ? and who are they trying to wind up ...the company or you personally ?

 

Was the SD to the company or you personally ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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Then there not winding up your ex company...they are trying to make you Bankrupt.

 

Ideally they should have issued a court claim for the money...not used a Statuary Demand.Did you get anything in writing agreeing the payment plan you have been making ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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hi they tried to wind up the company few months back

we set up a payment plan we paid it regular

then they demanded the whole amount which we was unable to afford 12k in one hit

 

so our best option was to sell the ltd company therefore passing all asset debt and responsibility to the new owners

 

two weeks later we have the creditors collection agency attempting now to serve me a personal bankruptcy petion personally

 

hope that clears it up

 

are they allowed to serve us this bancrupcy petition

we were paying these guys £500 pcm un missed

now we have no business and income yet they're demanding it all or make us bancrupt

 

does anybody suggest a plan of action ?

 

steps to follow to deal with this now ?

 

your help is appreciated

Edited by dx100uk
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hi they tried to wind up the company few moths back (But you said the SD was served in your names not the Company ?

we set up a payment plan we paid it regular

then they demanded the whole amount witch we was unable to afford 12k in one hit

so our best option was to sell the ltd company there for passing all asset debt and responsibility to the new owners

two weeks later we have the creditors collection agency attempting now to serve me a personal bankruptcy petion personaly (how do you know its for you personally and not the Company ?

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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