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    • I received a Claim Form issued on 19 Jul 2021. The claimant is ParkingEye Limited.    The alleged offence took place on 22/10/2019. The particulars of claim read as follows:   "Claim for monies outstanding from the Defendant in relation to a Parking Charge (reference xxxxxx/xxxxxx) issued on 25/10/2019. The signage clearly displayed throughput University Hospital of Wales, Cardiff - Staff 4, Heath Park, Cardiff, CF14 4XW states that this is private land, managed by ParkingEye Ltd, and that it is subject to terms and consitions, including auhotisation being required for parking, by which those who park agree to be bound (the contract). ParkingEye's ANPR system captured vehicle xxxxx entering and leaving the site on 22/10/2019, and parking without authorisation. Pursuant to Sch 4 of the Protection of Freedoms Act 2012, notice has been given to the registered keeper, making them liable for the Parking Charge payable upon breach."   As they claim the PCN was issued in October 2019, I do not recall receiving anything in the post. I did receive a Final notice of Debt Recovery from dcbl, demanding £140. However, it had no reference on the letter so I just ignored it. I logged on to ParkingEye's portal to access photographic evidence and did not manage to find the complete PCN, however, there were just two pictures of the car with a time stamp (please see the attached files). I have copied the parking charge details from ParkingEye's website:   Parking charge details Parking Charge Reference: xxxxxx Vehicle Registration Number: xxxxxx Contravention date/time: 22/10/2019 19:41:52 Contravention location: University Hospital of Wales, Cardiff - Staff 4 Location address: Heath Park, Cardiff, CF14 4XW Stay duration: 0 hours 30 minutes Allowed duration: 0 hours 10 minutes Status: Open Outstanding balance: £155.00 (Please allow 24 hours after payment for it to be reflected on the balance)   I do not recall parking there, however I may have entered the car on multiple occasions on the day to turn the car around.   I visited the car park yesterday to take some pictures (please see the second attached file)   I have completed the AOS on moneyclaim.gov.uk   I am looking to file my defence based on the following points: The photographic evidence supplied by the claimant does not prove the car parked in the above mentioned car park. It just shows the front and the back of the car with two different time stamps. The notice which states that it is a staff car park is located right at the end of the car park, which is not noticeable as you approach the car park and the board seems fairly new to me, the claimant has not provided any proof to suggest that it was there when the alleged alleged offence took place? As they have allowed a 10 minute grace period, a £70 charge for 20 minutes is unreasonable.   Any advice would be much appreciated!! Thanks a lot. Parking Eye 2-converted.pdf 20210725_232345-converted_compressed.pdf
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    • Just need a bit of clarification on this. I run my own online business so I think I've got it right, but just good to have some clarification. I bought some items via ibidder auction site. Typically trade and liquidated items for sale there.  The items were men's fragrances and as I gather, auctioneers skip out of a load of the legal consumer right act jargon (from what I recall). Anyway. Several of these fragrances arrived smashed to bits. I logged it with the auction house with all photo's and evidence, and the staff responding even agreed with me that it was clearly damaged in transit.  Anyway, rather than refund me right away or ask me to return said damaged items to get a refund (as should happen right? After all, they pay insurance for their own benefit, to protect themselves as the sender), they put a claim in without refunding me. It's like they have been waiting for compensation to pay me, and if that didn't happen, it's no money for me.  To stop this getting long, the courier refused the claim because the items they sent were prohibited. Terms state anything made partly of wholly of glass won't be compensated and even so, fragrance rules is no more than 4 per parcel (they sent me around 10). Of course that's not my fault, they are responsible for shipment of goods and if they choose to cut corners, then regardless of it being trade lots, that's on them, not me. They've breached compensation terms of the courier and yet because of them not getting compensation, they wont give me my money back, even though they agreed from the evidence that items were clearly damaged in transit.  My thoughts on this (please tell me if I'm wrong): First port of call as they aren't forthcoming via emails is to put the pressure on them. Truthful bad reviews on sites like trustpilot will surely make them want to do the right thing? (That step is already done, by all means I'm happy to hear that I was wrong or it was stupid).   If that fails then it's down to an LBA, not just for the amount lost out on but also for loss of value of other items in the package (glass, liquid damage to those items reducing the value) and reasonable hours lost where instead of putting into my own business, I've been dealing with them.    The sum is low, some £50 or so. Yet it's the principal. I have to deal with customers day in, day out and if I cut corners by not fully insuring shipments, then it's me who takes the brunt and has to refund the customer anyway, so why should another businesses risk mean I've lost out? Thanks
    • both pages are in the earlier upload LFI   dx  
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Bankruptcy, CRAs and Default notices


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Hi all, spent the last hour navigating round the site for answers :-(

forgive me if this is the wrong place to post this enquiry.

 

In October 2014, due to ill health and having to give up a very well paid job, I couldn't satisfy my debts, before illness I could easily afford car payments etc.  I was advised  by my IFA that bankruptcy would be the only way forward. March 2015, I went through the process of declaring myself bankrupt, a very soul destroying process I have to say.

 

I recently had occasion to check my credit score through Transunion, Equifax and Experian, and find that most of my old debts have disappeared from my report apart from 2 from O2 and one from FGA (for car loan),  They appear to have issued continuous default notices and renewing the entry every year. 

 

The first default notice from FGA appeared 2 months after the Bankruptcy, and the notices from O2 7 Months after,  I have written to FGA twice and have had no reply and O2 want a certificate of Discharge which cost £70, something I can;t afford.  I've been trying for weeks to resolve this an getting nowhere, can anyone help please

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How did you apply for you Bankruptcy...if it was done on line there is no fee for the certificate of discharge.

 

Also ....

 

Quote

Your discharge from bankruptcy will happen automatically, so you won't necessarily get proof sent to you.

Email the Insolvency Service [email protected] to get a free confirmation letter. You should only ask for this after the discharge date.

 

https://www.citizensadvice.org.uk/debt-and-money/debt-solutions/bankruptcy-2/after-you-go-bankrupt/discharge-from-bankruptcy/

 

Andy

 

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also i believe under the IVA rules a debt should be marked as defaulted in its summary on or before the IVA start date. not just D in the calendar section.

 

the debts should not be showing at all.

 

 

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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Hi Andy, I applied online but was required to go to court and and give them relevant paperwork and feel

 

All my credit card card debts for three cards no longer show, just O2 for "loan" and outstanding amount for service charge,

 

I disputed this at the time as I was able to pay the service charge monthly call charges if you like, but they refused and disconnected my number as they pulled the plug i didn't consider that I was liable for any future charges. 

 

FGA have just today renewed the entry on equifax, the CRAs should Chase this in my opinion as it appears to me to be a false entry.

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so you bought a phone too from o2?

 

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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opps sorry i was on a small screen an thought IFA was IVA..:lol:

 

i believe the rules are the same though

all debts must be marker defaulted (I'e same as issuing a Default Notice) on or before BK .

 

the CRA's should know this if you provide proof of BK and everything should be removed.

 

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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Hi thanks for the info, I'm still struggling,

I have a letter of discharge so discharge was one calendar year of bankruptcy.

 

What is confusing for me is that there are notices of default with the CRAs that are after the date of my bankruptcy but before I was discharged.  I was under the impression that default notices can't be issued after the bankruptcy date.  I could do with some clarification on this if possible.

 

I have written to the CRAs and they tell me it is up to the client (My  Creditors) to add remove entries.  However if those entries should be there how can I bypass the (creditors and insist the CRAs remove the entries?

 

Sorry if I seem a bit hapless it is worrying me as the years are creeping up on me and I don't want any issues on my credit report should anything happen to me.

 

Thanks again

 

Kind regards

Ken

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might be worth just letting them know you were declared bankrupt, case number, date and court it was heard in...

and the discharge notice 

 

demand they remove all trace of any debt that was within the BK, tell them they have 14 days or you will raise a serious complaint with the ICO and seek financial damage.

 

it is NOT solely down the the named creditor, though you could hit them with the threat first.

 

 

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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