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    • The only way to verify whether there is any financial reward for the management is seeing the agreement. That would be required during disclosure IF court proceedings went ahead... Unless you could bring pressure to bear and get a copy?
    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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VCS PCN Claimform - Broomfield Developements Broomspring Close. S37XA ***Claim Dismissed***


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Hi shamrocker, sorry not got back to you, I had to reset my account someone trying to login to it.

 

Hi nothing, they never replied to it within the 14 days.  I forgot to put the original request in my bundle.

 

Thanks.

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Hi All,

 

Wrote to Fairways for information on Permit parking some time ago.  Seems more than one management company here.

 

I got this letter Friday.  Its all seems rubbish to me, court date Thursday, any help with contents would be helpful.

 

Thanks GY

Permit Scheme. copy.pdf

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The management Company have misunderstood the law also referring to Fines and Penalty Charge Notices. which VCS cannot lawfully impose, the PPC equivalent is a Parking Charge Notice. don't know if that letter is of use, but perhaps ericsbrother and lookedinforinfo will have some thoughts.

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Hi lookinforinfo, with regards to your post 126.  Are you saying that VCS WS is misleading, even although I got the PCN within 14 day period?

 

That this is what I should raise with Judge?
 

Also they say a PCN Placed on car, (it was just a card) surely under POFA If they are claiming keeper liability, the must wait 28 days before NTK, am I right?
 

They are not using POFA, but claiming they are complying with it, I’m a bit confused.
 

Thanks.

Edited by Geocyper
Bad grammar.
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Hi shamrocker, it’s not mentioned in any documents, in their witness statement etc.

 

If you look at their WS, 39 to 41, my reading is they are not relying on POFA, but claim to be compliant with it, at no time do they state that under POFA 2012 schedule 4, they are claiming to transfer driver liability to the keeper.

 

I may be wrong.

 

Thanks.

 

 

Edited by Geocyper
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p.37 refers to legal remedies being available to hold the keeper liable. p.41 states that their position is that they can hold the registered keeper liable.

 

I'd say that's pretty conclusive that they are relying on POFA.

 

Regards the notice to driver - they mention in their WS that this was issued and that evidence of such is exhibited. What have they disclosed in relation to this?

Edited by shamrocker
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4 hours ago, Geocyper said:

Hi lookinforinfo, with regards to your post 126.  Are you saying that VCS WS is misleading, even although I got the PCN within 14 day period?

 

That this is what I should raise with Judge?
 

Also they say a PCN Placed on car, (it was just a card) surely under POFA If they are claiming keeper liability, the must wait 28 days before NTK, am I right?
 

They are not using POFA, but claiming they are complying with it, I’m a bit confused.
 

Thanks.

 

You are onto something here... POFA s.4 states:

 

"6(1)The second condition is that the creditor (or a person acting for or on behalf of the creditor)—
(a)has given a notice to driver in accordance with paragraph 7, followed by a notice to keeper in accordance with paragraph 8...

 

8(1)A notice which is to be relied on as a notice to keeper for the purposes of paragraph 6(1)(a) is given in accordance with this paragraph if the following requirements are met....
 

(4)The notice must be given by—
(a)handing it to the keeper, or leaving it at a current address for service for the keeper, within the relevant period; or
(b)sending it by post to a current address for service for the keeper so that it is delivered to that address within the relevant period.
(5)The relevant period for the purposes of sub-paragraph (4) is the period of 28 days following the period of 28 days beginning with the day after that on which the notice to driver was given."

 

In the Claimant's WS, from para 54 onwards, they refer to p.9 of POFA regarding the issuing of the notice to the Keeper. They're relying on the wrong paragraph because, as they've issued a notice to driver, they should be relying on p.8, as I've quoted above. The notice to keeper can then only be issued once 28 days have passed. They're stating that it's 14 days, and that they have done this in your case.

 

Did you include POFA as a WS exhibit?

Edited by shamrocker
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Yes it’s on Thursday.  I will contact you on here tomorrow if that’s ok, I’m a bit tired now, some more points I need you to look at on witness statement theirs,

 

They have not included any evidence of windscreen ticket in their witness bundle just mentioned a card informing the driver that a a breach of the terms and conditions MAY have occurred, 61 in their witness statements.   Where in POFA does it say they can do that to comply? Rhetorical 🙂

 

Thanks.
 

 

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the letter sent out by the developers talks about VCS issuing "penalty fines" and "penalty charges".

Now does that mean that VCS have been instructed to break the law?

 

the thing about the card not being a NTD is a wheeze invented by Gladstones/IPC and hasnt been tested in court.

 

As said, that would require a copy of Hansard for the Bill's final reading as it was enacted so the intent of parliament can be seen.

 

You will need to hope that your expanation of the slight of hand by VCS to the judge is accepted but I must admit that I am not clear exactly where you car was parked ( yes I know the overall address) and whether it was actually private land or the roadway that was already existing when this development was built.

 

Now the council can unadopt a highway ( usually temporarily) so that is somehting else you will need to be able to answer with some conviction, they will tell lies or possibly say fairview told them that they could march all over everywhere so it must be true.

We have seen cases where the judge has looked at public land with illegal signs on as still offering a contract!

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Ok, thanks for that ericsbrother , I can only try, the hearing is Thursday.

 

The other thing that is eating at me is this.

 
The contract in their Witness Statements still says they can clamp and tow cars away, now I know that this contract was signed in 2012, when this behaviour was still legal on private land.

 

The PCN issued 2015, but they think it’s ok to have this clause still in contract today 2019.  Am I missing something.

 

In their particulars of claim, they have the car parked in same neighbourhood, but different “post code” to where car was reported to have committed alleged transgression.

 

Hope that makes sense.

 

These issues are not my only argument but part off, just trying to get it right in my head.. stressful.

😕

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I would be inclined to rip their WS apart. That way, I doubt that VCS would wish to proceed to Court. 

In paragraph 5 VCS claim they have full compliance with their Code of Practice for Private Enforcement and Private Land. Really? Can this be the same VCS that was issuing PCNs between 2013 and 2017 knowing that the signage there had not been agreed by Liverpool council and therefore the signage was illegal. Here is an open letter from the Parking Prank

 

Tuesday, 19 November 2013

An open letter to Simon Renshaw Smith of VCS parking regarding Liverpool John Lennon Airport

 
19/11/2013

Dear Mr Renshaw Smith,
 
I wish to draw your attention to the procedural impropriety in your operational activities on the approach roads within Liverpool John Lennon Airport.
 
You are actively operating under contract to issue civil penalty tickets (PCN’s) for traffic offences on the roads such as stopping at the roadside, whether for seconds, minutes or even longer, or for parking on the roadside verges.
 
You are doing so based on an allegation of contractual agreement for a breach of parking conditions and are actively sending out a notice to keeper in each case where you ask for the name and address of the driver. You are doing this under the provisions of the Protection of Freedoms Act 2012.
 
As you are no doubt aware, due to your many years of experience in emptying people’s wallets, where land is governed by byelaws the remedy for any breach of conditions of those byelaws is through the criminal courts, such as a magistrates.
 
Not only that, since the byelaws set an amount of penalty for failure to comply with them; a further amount based on your own assessment is unlawful at best and perhaps even fraudulent.
 
A set of the byelaws for the Liverpool Airport have now been obtained from a reliable source, Liverpool City Council,  which sets out the airport’s stance on roadway use, or misuse. It also lays down a penalty upon summary conviction for a breach of the byelaws of £5 for the 1st offence and a further amount of 40 shillings for a continued daily breach.
 
I put it to you that these byelaws govern the airport’s penalty regime for the alleged contraventions you are enforcing. In fact there is no penalty for stopping at the roadside. There is no offence committed so there can be no penalty unless it can be proven in a magistrate’s court that this action amounted to a failure under para 14: “Driving or placing a vehicle carelessly or dangerously or without due consideration for persons using the airport”
 
Para 18 gives notice that a “failure by the driver of a vehicle to comply with any direction for the regulation of traffic given by a constable or any person acting on behalf of the council or a traffic sign” will be subject to the penalty regime of the aforementioned £5 plus 40 shillings per day afterwards.
 
The mention of the traffic signs and the council's part in the overall monitoring means that the signs must be compliant to the TSRGD which are those shown for the public highways; not the ones arbitrarily stuck at the roadside by yourself which are meaningless in the context of the legal status of the byelaws.
 
Furthermore, POFA 2012 3(1)(c) states that Schedule 4 only applies on land on which the parking of a vehicle is not subject to a statutory control. It further states (3)For the purposes of sub-paragraph (1)(c) the parking of a vehicle on land is “subject to statutory control” if any statutory provision imposes a liability (whether criminal or civil, and whether in the form of a fee or charge or a penalty of any kind) in respect of the parking on that land of vehicles generally or of vehicles of a description that includes the vehicle in question.
 
The byelaws state at para 2.19 that the following act is prohibited.
"parking a vehicle elsewhere than in a place provided for that purpose."
The penalty for this is a fine not exceeding five pounds.
 
POFA 2012 therefore does not apply, and you may therefore only pursue the driver and not the registered keeper. Moreover, you may only pursue them for the sum of five pounds.
 
Knowingly pursuing the registered keeper when POFA 2012 is an offence which the DVLA take extremely seriously and may ban you from access. The BPA wrote to you in their electronic newsletter this month reiterating this.
 
I put it to you, Mr Renshaw Smith, that your company is operating unlawfully at the Liverpool Airport site and ask what you intend to do since this has now been brought to your notice.
 
May I remind you that since this is an unlawful operation, you may well be required at some later time to recompense the amounts of the PCN’s already paid by drivers, and perhaps face tough questions in a court of law, not just a civil court.
 
liv-off-1.jpg
 
liv-off.jpg
 
liv-pen.jpg
 
 
Happy Stopping Briefly At the Roadside
 
The Parking Prankster
 
The Prankster would like to thank his source for the above
 
I am sure that you will find other examples of VCS not complying with Code of Conduct or the Law.
 
And of course VCS do not have the ability to take you to Court because you were a trespasser and only the land owner can take a trespasser to Court.
 
 
 
 

 

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Hi shamrocker, I have done my paperwork.

 

I have done separate point documents for .

 

1. Contract.

2. Signage.

3. General Points Witness statement (Theirs).

 

Thanks lookinforinfo,  I will print it out and try and show to Judge.

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