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    • 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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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VCS PCN - NTK - Nicol Street, Kirkcaldy Scotland KY11 1NY


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Good morning

 

Before I ignore the letter and await the raft of future letters,

can I just ask,

if in light of the Transport (Scotland) Bill 2019, is there still no requirement for the Registered Keeper to identify the driver? 

 

Other things where I believe VCS Ltd haven't helped themselves are:

 

Date of contravention was early Sep,

they issued it mid Sep and

I as the Registered Keeper received it 01 Oct. 

Longer than 14 days from date of contravention to issue date and definitely longer than 14 days from contravention to the NTK letter. 

Contravention happened at night so no windscreen ticket.

 

The post code used in the letter for address of the car park is different to the one used to identify the car park on the signs at the car park

 

Signs at the car park mention Excel but the NTK is from VCS (I understand that the two are linked. 

A sign says 'you, the driver are entering into a contract with VCS'

hence the query about any change for the Registered Keeper having to legally identify thr driver.

 

Cheers

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Thanks FTMDave

 

I've not replied to them at all, as I've just received the PCN in the post. 

 

I have already photographed the sign at the entrance which says Excel and the one at the ticket machine that says you, the driver, agree to entering a contract with VCS (although there is an Excel logo on it as well)

 

Apologies the post code for the car park is KY1 1NY in Kirkcaldy

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  • dx100uk changed the title to VCS PCN - NTK - Nicol Street, Kirkcaldy Scotland KY11 1NY

For course dx100uk, here you go

 

For PCN's received through the post [ANPR camera capture]

(must be received within 14 days from the Incident)

 

please answer the following questions.

 

1 Date of the infringement

04/09/2020

 

2 Date on the NTK [this must have been received within 14 days from the 'offence' date]

21/09/2020
 

[scan up BOTHSIDES as ONE PDF- follow the upload guide]

 

3 Date received

01/10/2020
 

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]

No
 

5 Is there any photographic evidence of the event?

Yes.  Entry and exit photos which only show the front and rear number plates and lights, as the event took place at night.
 

6 Have you appealed? [Y/N?] post up your appeal]

No
 

Have you had a response? [Y/N?] post it up

No
 

7 Who is the parking company?

Vehicle Control Services Ltd

 

8. Where exactly [carpark name and town]

Nicol Street Car Park, Kirkcaldy, KY1 1NY (but signage shows the postcode for the car park as KY1 1LU)
 

For either option, does it say which appeals body they operate under.

Independent Appeals Service (IAS)
 

There are two official bodies, the BPA and the IAS. If you are unsure,

please check HERE

 

If you have received any other correspondence, please mention it here

 

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Thanks dx100uk

 

I had a read over those threads, but just wanted to check to the Registered Keeper bit as I know they can bring bits of an Act in and not all of it.  Many thanks for your help.

 

Cheers

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Thanks for all those points lookinforinfo

 

Although I can assure you I am not worried.  Just checking if there'd been any update on the Registered Keeper thing. I look forward to reading their letters and filing them for posterity. 

 

Apologies dx100uk

 

The sign images were just an afterthought in case they may be useful. 

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  • 2 months later...

Just an update to this, I received a letter (Demand for payment before Court Action) from a solicitors in Glasgow.  They state they've been instructed to raise sheriff court proceedings if the payment (£100 PCN plus £60 debt recovery fee) is not paid in 7 days from the latter date.  Funnily enough, they used the Carly Mackie case as a reference.  Is this the time for a snotty letter?

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It seems the email address for a SAR to the DVLA in the sticky is out of date.  I submitted one using that email and received a reply saying that it was incorrect and that I should send it to [email protected].  Having used the new email I received a standard automated reply of acknowledgement.  

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  • 5 weeks later...

Although I will be submitting another request as DVLA haven't stated when they responded to VCS with the information.  18th was a Friday,  VCS say they posted the letter on Mon 21th.  Seeing how this SAR has taken this long, I doubt the DVLA went all out to clear the request over the weekend, but we'll see.

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  • 1 year later...
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