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    • E&W=England and Wales for correct sign see TSRGD paper on disabled parking and within that fig 6. note layout and size Whilst you are at it look at all of the suggested floor markings and bay sizes. The ones shown dont pass the regulations. That means they have fiale to meet planning regs. So then we look at intent- now they will argue that the intent is clear but then as the layout, markings and signage fail to follow the code of practice they will be considered advisory (as they should be on private land). Can it be true that you can be sued for ignoring someones advice, esp when there isnt a contractual term that says anything about it in the first place? In the fullness of time you will be copying this pdf and using it as evidence. In the meanwhile you stick to the deadlines imposed by the court procedure and if they fail to pay the allocation fee in tiem you ask for the case to be chucked out. At near the end of thsi month you post your outline defence via the moneyclaim portal and state that (1) the claim is denied as there  was no offer of a contractual term to breach in such a manner  (2) the claimant has failed to show a cause for action against the defendant, being the keeper of the vehicle because they have failed to follow the protocols of the POFA so cannot create a keeper liability in this matter.  The claimant has failed to identify the driver at the time (3) the Particulars of claim are so vague  it is impossible to determine what the claimant is actually relying upon to show a cause for action in terms of the location, date of event and how the the amount of the claim (sum of £160) was arrived at and particulary the signage they rely on to form a contract with the public. The defendant invites the court to issue a Case management Order under CPR3.3 to instruct the claimant provide evidence that signage that expressly offers a contract exists as claimed and that this contract was then breached as the defendant believes that the claim has no reasonable grounds and is a waste of the courts resources and should be dismissed if such evidence is not produced.   the last point may well be ignored whislt the paperwork is processed at Northampton as they dont read much of it and it will only be read once it gets allocated to your local court so prepare to get as far as a hearing in any case.  
    • At the end of the day, I tend to agree that they have been more than reasonable.
    • The Prime Minister of Luxembourg has just held a press conference without boris Johnson,  and all that was in his place was an empty podium and a UK flag.   We are absolute laughing stocks... the Luxembourg prime minister didn't mince his words either...
    • Followed. I believe they've sent everything to me. I've re-upploaded. I meant Provident never sent the notice of assignment not default notice. Looks like the default notice would have come from Vanquis. CCA Reply Lowell_compressed.pdf
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Cranky2K

Aus credit Creditcorp chasing us in uk.

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Hello all, I am in need of some advice.

 

We moved Home to the UK 16 months ago, after spending 5 years in NSW Australia.

 

A few weeks ago my wife started to receive phone calls at her workplace from an Australian debt collection agency called Creditcorp. They are saying they have taken on a debt (bank consolidation loan) we “owe “ of $39000 and we must pay it straight away. This scared the hell out of my wife (who suffers quite bad with anxiety) that they have been able to contact her at work as she believes this could hinder her job.

 

She answered security questions but can’t remember the full conversation apart from she agreed to talk to me about it and do an income/expenditure sheet with me to send to them.

 

Credit Corp are saying they need us to pay $440 per month over 13 years and 10 months and they will reduce the interest to 10%, this works out at around $70000 and is practically double the debt in question, the second option is they want $495 per month and they will reduce interest to 7.5% and it will be over 9years and 3 months.

 

We are both really worried as we are paying off debts here in England and I am not in a steady job(contracting) and we will really struggle to pay these amounts consistently.

I am struggling to see how they can charge so much interest? We just can’t afford the amount. We are at a loss and worried this is going to effect our UK credit or worse.

 

I have talked to a man on another website and he says he can sort it out and will deal with them directly, not sure if I can post his site on here? However there is apparently a $485 fee which apparently covers costs to lodge something at court?

 

My wife is telling me to hold off with this at the moment. Has anyone seen anything similar?

 

What do I do, I have read some other threads, however they seem to differ as they all seem to be statue barred and this debt would not be for another 5 years? I did find some letter templates to send them to hold them off for a while whilst I figure all this out( I can’t seem to find the templates now tho). I haven’t had any written letters from credit corp, simply phone calls to my wife and emails back and forth. Originally my wife agreed to set up a payment plan but I put a stop to it before any agreement was finalised and we haven’t paid a penny yet.

 

 

Pleases help.

Thanks in advance.

 

C2K

Edited by Andyorch
Paras

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Hi and Welcome to CAG

 

First question did you leave NSW leaving a consolidated loan of $39000 ?

 

If so what did you arrange with the creditor before leaving ?

 

Andy


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Hi Andy, thanks for the quick reply.

So to answer your question, No we didn’t. We had a consolidation loan before we left Australia and we’re paying it for a while, we had to move back to UK for personal reasons and continued to pay the loan but we ended up running into debt back here which we knew about and are now paying this off. In turn this made it increasingly difficult to pay the aid loan and we stopped paying it. We then received letters stating we were in default and it may be passed on. We didn’t get any confirmation saying it had been passed on and haven’t received any letters from a DCA just emails.

Thanks

C2K

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Ignore them for now and do no agree to any payment plans or acknowledge the debt.

 

Have a read of the following threads to bring you up to speed.

 

https://www.consumeractiongroup.co.uk/forum/search.php?searchid=11093878

 

And lastly do not be talking to men on other websites offering to sort this out for any fees.

 

Regards

 

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

 

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best idea might be to go BK in aus?

we've seen a few people do it here from the UK

I think its quite easy to do and painless and all via the internet


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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Thank you for both of your replies, the main problem is them hassling my wife at work, she struggles hugely with anxiety ever since a car crash whilst in Aus...... I will read through the threads straight away and also have a look at BK.... any ideas where to start? We will not be moving back to Aus in the future so this could be a possibility.......

 

Thanks

C2K

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well thatsall they can do is hassle and embarrass people.

same as the Dubai lot

in all truth they are totally powerless to actually DO anything

 

that's what DCA's do. that's all they can do

the shame is they've already mugged you so will do anything to make you relent again.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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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

 

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

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If you also type " Creditcorp " into our advance search (top right under the log in/out button " it will bring up all our threads in connection to this DCA.


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

 

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

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answering their security questions was a bad move, they know they have the right personthen and probably a bit more info than before they called.

they are breaking UK law by calling work uninvited so you are now effectively encouraging them by giving them the time of day. Putting the phone down on the first call would have been wiser, it is their money they are wasting.

Talked to a man on another website and he can deal with it for only £xx. RUN AWAY RUN AWAY- you will be in furhter debt and get nowhere with your problem if you agree to this and then be back here asking for advice on conmen's activites and your new debts

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