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    • I’m not sure if this post has concluded or not but I’ve been brought here as I’ve had the same issue pretty much with the same car park unfortunately.   I've got three fines from them for parking there. It’ll amount to £180 or £300 Should it be left.   There’s a lot of information to be sifted through here. I really don’t know where to start. I don’t suppose someone wouldn’t mind helping me out here?
    • Let's say you didn't pay (you did of course, but just for the sake of argument) and Smart Parking are in the right.   They need to pursue the driver of the car.  They know who the keeper of the car is from the DVLA, but that's not the same thing, lots of cars are driven by more than one person, my son often drives my car for example.  It's a big problem for them.   So they got parliament to pass a law, POFA 2012, where, if the keeper refuses to name the driver, then liability can be passed to the keeper, but only under certain conditions - such as sending out the paperwork within 14 days.  Usually they are too lazy, stupid & arrogant to do this, as in your case.   That's why dx said not to appeal, as unfortunately when appealing most motorists out themselves as the driver,    
    • no sure how much car is worth, it  is on 2010 plate , Subaru Forester XC BOXER D ,  got about £3k left on it to pay
    • Yes - it was , didn’t say what application for    how can I object if have no knowledge of what application they have done , just that ordered to be listed for hearing - seven days up yesterday according to latest post    I’m happy to have a hearing , just don’t want judgment without a hearing    I just want the opportunity to defend myself -  Money claims judge ordered a hearing - that’s fine  but local court saying , doesn’t matter it’s what our judge says - that’s what worries me    why do I have to be on speed dial to court because the claimant ignore all procedures and protocols    the application should have been served with their evidence to me 
    • I know cheers dx, i have been reading on the forum, i have read that because its over 14 days there out of time? Can any one clarify what exactly that means, thanks
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Mortgage - Arrears - Repossession risk


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Hello

 

Needing some assistance re mortgage arrears and threat of repossession.

 

The mortgage in question is with Halifax (interest only). I should mention that I am trying to help out my aunt who lives abroad.

 

Having decided to move overseas, my aunt left her property under a letting agency. The bank were aware of the property being rented. Due to poor management of the letting agent, monies were not received in a timely manner and eventually mortgage arrears mounted. To cut a log story short, the property is now under a new estate agent and things are steadily getting better.

 

The mortgage arrears are just over £500 and another payment due shortly. By the end of this month its likely the arrears will be close to £1000. I know this is not an overly large amount, but my aunt is not working and not in a position to find this money.

 

Halifax have written and have indicated they will instruct solicitors to begin legal proceedings to repossess the property if any more payments are missed or if contact is not made.

 

I am aware that Halifax have applied late fees etc and other charges but possibly not enough wipe out the current debt. My main concern is to stop the repossession and wanting to know what is the best course of action?

 

I would be grateful for any suggestions.

 

Many thanks

 

MBK.

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write to them exactly as you have here.

 

its always better to keep them in the loop

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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Thanks dx100uk.

 

the bank a letter.

Hopefully they will look at this case favourably and not look to repossess the property.

 

Apart from letters banks send, what other steps do they take to indicate they are in the process of repossession?

 

Are we likely to hear from solicitors?

Don't want to find that my attempts to reason with them is too late if they are already halfway to repossessing the property.

 

The plan is to clear the debt asap and keep all future payments up to date.

 

Thanks

 

MBK

Edited by dx100uk
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If they instigate repossession...the process....

 

https://www.gov.uk/repossession/before-it-goes-to-court

 

Andy

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