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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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118 PDL sold to Azzuro Associates troubles


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Hi guys 

 

Recently had a default appear on my credit report from Azzuro Associates for the sum of £3254.

Never heard of these guys and never had any correspondence. 

The debt was defaulted on the 01.09.20 and added to my report on 20.10.20. 

The 

I have tried emailing them and hunting for a phone number but they seem to have scrubbed there phone number from the Web. 

I'm really concerned that this will go to a CCJ if I can't get in touch with them and get to the bottom of it. 

I have no idea what this debt is for. 

Had anyone had dealings with them. 

I'm moving out in Feb 21 and I really don't want this on my report. Argh! 

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azzuro are a powerless dCA and would not have registered the default

the original creditor (who was?) would have on or before the sale date of the debt (what type of credit is it please?)

 

you NEVER ring a DCA nor email them..

 

they are NOT BAILIFFS

and have 

ZERO legal power on any debt. no matter what it's type

 

tell us about the debt please

 

dx

 

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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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Thankyou so much for your reply. 

 

After digging it appears it was a debt with 118 money for £2000 that was indeed mine from 2 years ago. so at least I can track the fact its mine. 

 

Looking at the account it appears they took the interest off the loan and then sold it to another company. 

 

The debt itself has been registered to an address before the one I was actually in. (lord knows how) 

 

Heard nothing at all for 2 years then this default on the account that says azzurro associates (xxxxxx acc num etc). 

 

I'm happy to pay it but because they have been using an address from 4 years ago I have no correspondence. 

 

Really all I want to do is contact who the people collecting are and organise something. 

 

It seems because I have not received correspondence I have now amassed over 3k instead 

 

To add the debt/default on my equifax credit report clearly says "loan from Azzuro Associates (I) XXXX) 

Edited by Andyroo85
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so the debt has been sold.

 

the buyer name replaces that of the original creditor on your file, hence it now shows them.

 

oopps, so you moved without informing your creditors...BAD thing to do.

as everything (including) backdoor court claims goes to the old address

hope you've no other debts showing you've done that too?

 

looks like 118 investigated what they had done and concluded they were somewhat irresponsible in lending you the money in the 1st place and have removed the interest and charges and dumped it for 10p=£1 to a debt buyer. i will also guess you had numerous other PDL's too that you got that others shouldn't have given you as your file at the time was already littered with defaults, late payments and debt?

 

at some point you MUST write to AZ and inform them of your correct and current address, you also need to do this with other creditors now in the dark you've moved.

 

however for the minute it's info gathering time.

 

dx

 

 

 

 

 

 

 

  • Thanks 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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  • dx100uk changed the title to 118 PDL sold to Azzuro Associates troubles

moved to the PDL forum and retitled

 

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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Thankyou for being Frank,  I actually paid off all my other debts and my credit score has been building until this appeared. 

 

I don't have any other debts and I have been retracing everything these last 2 days. 

All are now accounted for including this. 

 

So my next move is to update my address with them? 

This I can do and will do today. 

 

Then perhaps I can organise a settlement amount or a payment plan. 

Either way it seems the quicker I move the less chance I have of a CCJ hitting me. 

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ok good.

 

but no you don't rush into agreeing anything with a dca.

 

this is obviously a toxic debt, else 118 wouldn't have done what they have 

they would have simply sold the whole debt, not reduced it.

 

the reason why this has suddenly appeared is because the CRA have linked your new address to your old file data now.

 

regardless to you've paid all other debts off, was your credit file shot when you took this and other lending out?

and have you blindly paid any other dca's on any debt?

 

you could be inline for something back by an IRL complaint here and there ...esp if the other debts WERE PDL's.

 

dx

 

  • Thanks 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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During that time my credit rating was shot yeah. 

 

I got caught in a cycle of small payday loans with Sunny. I had an arrangement to pay with the company sunny sold the loans to. 

 

I put in a irresponsible lending complaint and about 2 years later I won this and sunny paid me back a large chunk of what they loaned me. (had the choice to deny and push for more, but looking at it now I did the right thing)

 

I remember  going for the 118 loan at the time and was amazed I got it. 

Then when I paid for a good 6-8months on the 118 loan I got offered the "loan top up" for another £1500. Which I of course I took 🙄

I eventually got the total owing down to 2k (which is now 3.2k with AZ) but then ran into payment problems.

 

 To answer your other question I have not paid any other DCA any monies. 

Right now this 118 debt is the only debt I have. 

 

Surely if I dont act quickly the likelyhood of the pushing  a CCJ is greater? Or do you believe because the debt is "toxic" that it wouldn't get that far? 

 

Thanks again for your help. You wouldn't believe how much you have calmed my anxiety and stress. 

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Any time limits AZ might spout are simply arbitrary, the ONLY thing you need to be doing is informing them ''in writing'' of your new address.

 

Also ensure your CRF is updated and showing your correct address also.

 

When you send AZ the letter which needs only to be one line......

 

Sir/madam.

 

My current address is No.1 Mickey mouse street blah blah blah, please update your records accordingly.

 

Regards

 

And obtain ''proof of posting'' which is free from the po counter, send it 2nd class post.

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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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