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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.    
    • @dx100uk no, haven’t received any correspondence as of yet. Still waiting on a court date but seems to be taking forever. Have noticed an increase in unhappy customers on here
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Link Financial CCJ old MBNA card debt- now wanting "account review" after 11 years


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Hello, I've been paying off a CCJ which was some £8k (debt plus charges) since 2012, at £30 a month which was the amount agreed by the court. Debt is now down to £3k. (*amounts deliberately inaccurate to avoid identification, nowt wrong with my arithmetic) They have written to ask for a review and for me to complete a long income and expenditure form, which I'm not about to do.

I'm even less well off than I was in 2011, on universal credit and 66 years old, so I'd like to get the payments reduced downward. Increasing them certainly isn't an option. I offered them (by phone) £500 to pay it off last year, as I had a small lump sum available but they didn't come back to me.

I would just like some advice on dealing with them, please?

Is speaking to them on the phone dangerous?

Would there be any benefit in appealing to the court for variation, given the length of time that has elapsed.

Thank you very much.

 

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There is no downside to speaking to them on the telephone.
However you should make it clear to them that as far as you are concerned they are bound by the terms of judgement.

I'm not sure how the process works but I can imagine that if you went to court to vary the judgement then it is possible that it could go up as well as down.
I expect that somebody with a better understanding of it all will join in this discussion before too long

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  • dx100uk changed the title to Link Financial CCJ - now wanting "account review" after 11 years

what was the debt please?

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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Subject to the judgment terms of payment set at the time...the claimant would have to make application with fee to amend the set amount.

Very unlikely to happen and you are not legally required to complete a review unless it was a term of a Consent/Tomlin order which I doubt it would be ?

You as the defendant can make application using form N245 (if not already used at the time of judgment) to reduce the monthly payment. I would imagine the claimant would try to oppose the application...but the court would have final say subject to you application with I&E and proposed offer of payment.

So ignore their letter completely but do consider if you wish to make your own application.


Andy

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Thanks for advice. @dx100uk, it was credit card debt plus charges from an MBNA card.

I just wanted to confirm really, they can't force me into filling in their form, I don't think they can ask for proof of income (although I'm happy to show UC statement, I don't think they have authority).

And we can just continue as before. I saw another post where they'd refused a full and final payment, I may mention it but at this stage I'm not sure it would benefit me that much. 

 

 

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  • dx100uk changed the title to Link Financial CCJ old MBNA card debt- now wanting "account review" after 11 years

correct

correct.

and

correct.

 

go swivel link you fleecers.

 

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

When I was paying off my CCJ's they used to send me an income and expenses review every year, to see if it was still affordable for me. I used to fill it in and the payment never changed.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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