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    • OK.  So you lent your car to a friend in 2019 and he racked up three parking tickets that he tells you he didn't know anything about(!).  You were the registered keeper (RK) at the time at your family address, but you got chucked out and could not change your RK address with DVLA because you were homeless.  You knew nothing about the parking tickets and enforcement action until you got a bailiffs' letter passed on to you.  You made an Out of Time (OOT) application in respect of one PCN but Birmingham CC objected to it and the traffic court rejected your application.  A solicitor helped you make OOTs in respect of the other two PCNs but you don't yet know the outcome of those two applications.   Is that the situation you are in?   dx100uk thinks you can resubmit the application saying your friend was the driver.  I don't think saying that will help as the driver is irrelevant.  It's the owner who is liable to pay the charge and that is the RK (unless the RK is a car hire firm).  I assume you are not a car hire firm so you are stuck with the liability, not the driver.   Whether you actually can resubmit an OOT once one has been rejected I do not know, but why not try.  What did the solicitor put on the applications they helped you with?  Did you not ask their advice about the rejected application while you were with them?  I think you would have to say something to the effect that you never received any paperwork in relation to the PCNs because you had been chucked out of your home and because you were homeless you did not update your address at DVLA.  That is the truth isn't it?  You don't want to lie on the application.   To me that's a good reason for you not doing anything about the PCNs, but I suspect that Birmingham CC will object again and that the traffic court will reject again.  And, as I said above, I don't even know if you can submit a second OOT application in respect of a PCN if the first has been rejected.   So it looks to me like you might be a bit stuck.   Unless dx100uk, or spaceman61, or another poster with expertise in local authority PCNs comes along I'm not sure what you do.   If you get no more helpful suggestions here you could try on National Consumer Service.  If you do go there, do not register with a hotmail address.  You will also need to provide them with a timeline of everything for all the documents you actually have, and you will need all the facts and dates etc at your fingertips.  And make sure they are accurate.   http://forums.National Consumer Service.com/index.php?showforum=30   And get your friend to contribute to paying off the PCNs.  Do you believe he really knew nothing about them?
    • To enjoy the protection offered by s.75 CCA 1974 for a credit card payment, you must pay over £100 and under £30,000 for the goods or service (even if part payment for a larger total amount).
    • Hi Charlie and welcome to CAG   As an Executor, you have a duty to insure the property and tell the currect insurer of the passing of the deceased.   Most insurers will refuse normal contents cover on a house left unoccupied beyond 60 days. So, unoccupied, the home will not be insured against break-in damage, theft, flood, accidental damage, etc.   You may be able to obtain FLEE insurance covering only Fire, Lightening, Explosion and Earthquake. It may cost more than usual contents cover  because the home is unoccupied, even though the level/amount of cover is less than for an occupied home.   As said here already, an Executor would be wise (or indeed have a duty) to remove valuables from the home if you have somewhere safer to store them pending Probate, distribution, sale, etc.   I hope if you can explain the insurance risks to YB and assure him that you are not taking items just for your own benefit, he may see sense.   Please keep us updated ............
    • yours is not the next move   dx  
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Being chased by debt collectors for a vet's bill


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Its just come to my attention that a friend has been getting pressure from a company called ACT credit management.

They are collecting a debt on behalf of a service provider.  My friend has been pressured to pay far more than they can afford and I've suggested that they request an income and expenditure form.

This has been sent but insists on evidence for all about goings. Bank statements etc. Can they legally insist on this evidence.

 

I'd also like to know if it reasonable to request details of the debt. it wasn't  credit agreement it was for an essential service that should have been paid when the invoice was presented. I'm not convinced that the original cost was fair. 

 

Thanks in advance

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Who is the service provider?

 

IS it leccy gas water??

 

What income does your friend have, WHO set up the repayments, your friend or these clowns?

 

How are they making the payments, DD cheque, standing order?

 

No one, less for a judge, can request to see I&E forms, although  depending on what figures were talking about they may help in limited circumstances.

 

Name names  and figures please.

 

 

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Yes, I think it will be helpful if you simply lay out the entire story in a bullet pointed chronology.

If you want good and detailed advice then you have to give us a reasonably detailed account so that we don't have to ask any questions

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Thanks for your response

Emergency vet bill. I don't think they've bought the debt judging by the way they word the letters

Value is about 2k, Paid online monthly. 

Original arrangement was set up over the phone a couple of years ago. They call every month and refuse to drop the payment to a reasonable, affordable amount.

 

No problem filling out an income and expenditure form i just don't think asking form evidence is reasonable.

 

Thanks again.

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I'm sorry, but that's really still not a very understandable story. You are simply abbreviating things.

We asked for a bullet pointed chronology – and that's probably what we need. Just as an example, when you first laid out the story, it sounded as if you are dealing with an energy company. Now it seems that when dealing with a vet.

You don't need to make this hard work for yourself or for us.

Please just lay out a bullet pointed chronology of events from the beginning to the end. Not too much narrative

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i was gonna say i bet this is a vets bill

it's ACT's favourite food along with bogus private school fees.

 

just remember the red bits below my post

and no they are not entitled to any of that info on their I&E forms!!

 

 

  • Like 1

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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10 minutes ago, dx100uk said:

i was gonna say i bet this is a vets bill

it's ACT's favourite food ...

 

 

 

😃😄😄

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Thanks for responses.

 

The post thats been deleted was posted before the post requesting bullet points. I was deliberately vague on the type of debt it was. However a utility company is not a service provider

 

The answer provided in respect of the income form is great.

 

The only question i have now is if its reasonable to request  breakdown of how the debt has been calculated and any contract hey may have been in place.

 

Thanks again 

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pers i'd certainly not be paying a powerless DCA anything EVER. esp when they dont OWN the debt, which in this and most cases they don't

and most certainly NOT over the phone or use the phone to a DCA ever, no matter the reason.

they lie and threaten all kinds of illegal things on a phonecall that they'll never put in a letter which is why it is sO important to record their calls, then you can raise a complaint against them.

 

cut the DCA of totally

ring up the VETS and set up an affordable repayment schedule with THEM directly

but 1st ask for a balance i bet that doesn't match the sums paid to the DCA.

 

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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A utility company is certainly a service provider and they are generally treated as such by courts, regulators et cetera.

 

Please don't be vague about any details that you give us if you want help.

Were the advice we give here is free of charge – and it is generally speaking excellent advice and we help thousands of people, you should treat it as if you are paying £300 an hour for it and that means your best to help us so that we can help you solve your problems quickly and efficiently

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  • BankFodder changed the title to Being chased by debt collectors for a vet's bill

And to add to my site team colleague' s advice above, if you phoned the vet, they may well say that it is out of their hands now and with a debt collection agency. Insist that it is with them and if they maintain their position then it is probably worth writing to them to confirm that you asked them for details and that they refused.

It's a good idea to develop a paper trail – especially where they are acting unreasonably and refusing basic information such as an account. You could also serve them with an SAR which will compel them to provide you all the information you want

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Please keep us updated

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