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    • be very wary upon what you see being recently posted on here 😎 regarding KIH.... all is not what it seems...  
    • 1st - all my posts on CAG are made not only in reply to the specific issue the topic starter makes but also in a general matter to advise any future readers upon the related subject - here it is kings interhigh online school. KIH lets take this topic apart shall we so readers know the real situation and the real truth...and underline the correct way to deal with KIH. https://tinyurl.com/ycxb4fk7 Kings Interhigh Online School issues - Training and Apprenticeships - Consumer Action Group - but did not ever reply to the last post.  but the user then went around every existing topic here on CAG about KIH pointing to the above topic and the 'want' to make some form of group  promoting some  'class action' against KIH . then on the 2nd march this very topic this msg is in was created. all remarkably similar eh? all appear to be or state..they are in spain... ....as well as the earlier post flaunting their linkedin ID, (same profile picture) that might have slipped through via email before our admin killed it.., trying to give some kind of legitimacy to their 'credentials' of being 'an honest poster'....oh and some kind of 'zen' website using a .co.uk  address (when in spain- bit like the Chinese ebay sallers) they run ... and now we get the father of the bride ...no sorry...father of a child at the uk-based international school in question posting ...pretending to be not the 'other alf... do you really think people are that stupid..... ................... nope you never owed that in the 1st place... wake up you got had and grabbed the phone - oh no they are taking me to court under UK jurisdiction...and fell for every trick in the book that they would never ever put in writing that could be placed in front of a court operating under their stated uk jurisdiction wherever you live. T&C's are always challengeable under UK law this very site would not exist if it were not for the +£Bn's bank charges reclaiming from 2006> and latterly the +£Bn's of PPI reclaiming both directly stated in the banks' T&C's were they claimed they were legally enforceable ...not!! they lost big time... why? a waste of more money if you've not got a court claim....... why not use them for a good outcome...go reclaim that £1000 refundable deposit you got scammed out of . people please research very carefully ...you never know who any of these people are that are posting about kings interhigh and their 'stories' they could even be one of their online tutors or a shill . don't get taken in. dx      
    • @KingsParent thank you for sharing your experience.  I also tried contacting the CEO but didn’t get very far. Do you mind sharing his contact details?  kind regards   
    • Thank you Rocky for the clarifications though they did cause a problem at first since an original windsccreen ticket was  of a different breach some time before. The current windscreen ticket only states that you were parked there for 6 minutes which is just one minute over the minimum time allowed as the Consideration period. There is no further proof that you parked there for any longer than that is there? More photographs for example? Moving on to the Notice to Keeper-it does not comply with the Protection of Freedoms Act 2012 Schedule 4. First there is no parking period mentioned on it. there is the time 20.25 stated which coincides with the W/S ticket but a parking period must have a starting and finishing time-just one time is insufficient to qualify as a parking  period as required in Section 9 [2] [a] . Are there any different photos shown on the NTK comapared to the w/s PCN? Not that that would make a difference as far as PoFA goes since the times required by PoFA should be on the NTK but at the moment Met only appear to show that you stayed there for 6 minutes. Another failure to comply with PoFA is at S9([2][e] where their wording should be "the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; ". You can see on your NTK that they misssed off the words in brackets. Met cannot therefore transfer the charge from the driver to the keeper. Only the driver is now liable. Then their is the discrepancy with the post code on the NTK  HA4 0EY which differs from the post code on the contract and the Post Office Postcode Finder which both list it as HA4 0FY. As you were not parked in HA4 0EY the breach did not occur. In the same way as if you were caught speeding in the Mall in London, yet you were charged with speeding in Pall mall London [a street nearby] you would be found not guilty since though you were speeding you were not speeding in Pall Mall. I bow to Eric's brother on his reasoning on post 12 re the electric bay abuse  That wording is not listed on their signs nor is there any mention on the contract of any electric charging points at all let alone who can park there or use them. He is quite right too that the entrance sign is merely an invitaion to treat it cannot form a contrct with motorists. Also the contract looks extremely  short no doubt there will be more when we see the full Witness statement. As it stands there is no confirmation from Standard Life [or Lift !] on the contract that Savills are able to act on their behalf. Also most contracts are signed at the end of the contract to prevent either side adding extra points. So their percentage  chance of winning their case would be somewhere between 0.01 and 0.02.    
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Lowell/Overdales yet another very old CCJ/CO they claim the can start adding interest on soon!!


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Hi Everyone

A letter has arrived from Overdales for a 15 year old CCJ for which an interim charging order on my home was made also 15 years ago. 

The debt has been passed from pillar to post since then through various debt management firms, and I've had no contact with any firm about the debt for all this time (and certainly not Overdales and the client Lowell who are now in touch).

I want to ignore this letter, but they are proposing to start adding interest in a few months time. Can I safely ignore this letter on the basis that they could never enforce the interest when I eventually settle for a knock down amount in a few years time?

Edited by mairyhinge
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Seems to be their latest threat o gram tactic see here :-

https://www.consumeractiongroup.co.uk/topic/358093-hoistcohen-ccj-evans-store-card/#comment-5216929

You cant charge interest to a charging order as the intial judgment does not allow for post judgment interest...ignore.

 

Andy 

 

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Thanks for link Andy, a similar kind of scenario.

I shall stick to my plan of going to them in 10 years time as a skint old duffer and negotiate twenty pence in the pound as full and final settlement. The timing is very important of course, if I leave it too late they'll just wait for me to throw a seven. :-)

I looked at my credit file today, and have a nice score of just under 700 with Clear Score, with no record of old CCJs on file - I didn't know that they dropped off the file just like non-judgment debts after 6 years!

 

 

 

Edited by mairyhinge
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is this a CCj in one persons name on a jointly owned property?

 

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 Lowell/Overdales yet another very old CCJ/CO they claim the can start adding interest on soon!!

Hi Dx

CCJ in one name, who singly owns property outright.

Yes, I know that does give them more degrees of freedom, and that CCJs never expire and can be enforced at any time. At the same time, I'm pretty sure they know jack about the origins of the original debt and I would probably run with a story that it was paid off years ago to the original debt management firm and the interim order was mistakenly left on the address. its for them to prove otherwise after 15 years of inaction.

My main line of questioning was about the legitimacy of added interest at this stage, which i am pretty certain cannot be added (the singly owned property an irrelevance in relation to that matter).

It is interesting that they threaten to add interest from some date in the medium future rather than adding immediately, a leverage move that they know ultimately cannot be applied.

By the way DX, that tradesperson paid up on judgment within the 28 days, so i ended up quids in as the breach of contract was not contested.

 

 

 

 

 

 

Edited by mairyhinge
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ive opened that thread go update it please.

as for this one.

they cant add interest no, it's just willy waving to make you reply even by saying you can't...don't!

however as there is a CO then they'll get their money if/when the property is sold.

if it had been paid off there would be a record of it and the CO would have been removed...no dice there sadly. its not for them to prove otherwise, the CO is still showing.

i will gather this CCJ/CO would have been attained by a DCA that is now owned by lowells (of the hoist group) ,as they recently bought out hoist uk and you are about the 4th person that has gotten the same letter we know about.

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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Share on other sites

Hi Dx

CCJ in one name, who singly owns property outright.

Yes, I know that does give them more degrees of freedom, and that CCJs never expire and can be enforced at any time. At the same time, I'm pretty sure they know jack about the origins of the original debt and I would probably run with a story that it was paid off years ago to the original debt management firm and the interim order was mistakenly left on the address. its for them to prove otherwise after 15 years of inaction.

My main line of questioning was about the legitimacy of added interest at this stage, which i am pretty certain cannot be added (the singly owned property an irrelevance in relation to that matter).

By the way DX, that tradesperson paid up on judgment within the 28 days, so i ended up quids in as the breach of contract was not contested.

 

 

 

 

 

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Hi Dx

The property is not going to be sold for 30 years, i'll will settle this at 20% no problem at some convenient point in the next ten years.

I have a strong feeling that most debt collection firms are going to bust out anyway in the next few years, castrated by the Government. Enforcement only works on a 'naughty' ten percent, not most of the population. A couple of years after the group of companies is no more, it is easy to apply to court and have the charging order removed. I managed this recently with a private school that unfortunately went bust :-)

Edited by mairyhinge
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DCA's will never go bust.

they just merge, split and reform.

some of the people behind firms that existed in the 70's/80's are to this day still around.

its the biggest banking industry there is ....

be interested in the school story one day

we get lots of those.

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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Thank you for that background to the DCA industry. 

I think, perhaps, you underestimate the extent to which Government action is destroying the financial sector. Think about the Government help to homeowers yesterday for example. The measures nullify an entire body of law and it’s evident that lenders have not thought through the consequences. Important letters will become laughable.

Dear Borrower
We are proper, proper going to secure a suspended order for possession this time.
Be in no doubt, we are dead serious and mean business.
Regards
Lender

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