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    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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Highview/DCB(L) ANPR PCN Claimform - Catford Island Retail Park London SE6


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opps 

 

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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My fault I'm afraid, it was me who suggested the SAR and I forgot to add to include I.D.

So you need to write back to the fleecers and restart the process with something like -

Dear Highview Parking,

Re: PCN no.XXXXX, vehicle registration no.XXXXX

thank you for your letter of XXXXX.

I note there was none of this great concern about proof of identification when you were sending out your demands for money.

However, I enclose a Council Tax bill as proof of identity.

I await your SAR response within one calendar month.

Yours, XXXXX

I say CT bill, but include what you want.  Usual free Certificate of Posting from the post office.  Do not fill in their carpy form which is designed to trap you into outing the driver and do not send the ten million forms of I.D. they demand.

They seem to be shirty about replying to a SAR so expect a battle.  It was an extremely bad idea to lose the original PCN.

We could do with some help from you.

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Hi Dave,

I get you, is CT bill alone enough or driver's licence too? (confirmation I was the registered keeper will not be happening cos they issued a PCN based on that)

I have the original PCN which I posted at the start of the thread, does that make a difference?

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ctax bill.. how do they know your sig or what you look like, they could be fake even.

none of their business your sig nor photo.

dx

 

 

  • I agree 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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The best thing is to send the letter drafted on Thursday, if you haven't already done so, and if the fleecers are obstructive we can cross that bridge later.

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

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Hello All,

I spoke to the Mrs during the week and the scammers sent me a response to the CPR - I can post it when I am settled. 

But in summary they sent me 

  • copies of the PCN (only the ones to my former address, no recent ones) - and maybe they ran out of ink as a major section of it is blank :),
  • pictures of the car park (All pictures are from 2021 except for one google image showing captured 2019.)
  • wordings on their signage

so 3 things were meant to be addressed 

 1. The contract between Highview Parking Limited and the landowner of Catford Island Retail that assigns the right to enter into contracts with the public and make claims in their own name.

 2. Proof of planning permission granted for signage etc under the Town and Country Planning Act 2007

 3. Copies of the notice to driver, notice to keeper and any other correspondence from Highview Parking Limited & DCB Legal Ltd to the defendant that they intend to rely upon in court.

They probably addressed the point 3 at best.

 

 

Edited by fro
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CPR is NOT compulsory so they've sent you what they want to for now.

they WILL have to exhibit copies of everything they intend to rely upon as exhibits in their Witness statement. if they dont bottle it before then and discontinue the claim.

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

So as you have the CPR you can forget about the SAR as it's not important now.

They never send proof of planning permission - because they haven't applied for planning permission.  So you can embarrass them in your WS.

They never send the contract - but as dx says they will have to in their WS.

Can you please upload the PCN and the pix?

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

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The point of the SAR was to get hold of the missing paperwork, but that has now turned up via CPR.

Unless you particularly want to have a row with them about all the unnecessary and laughable obstacles they put in front of you when requesting a SAR, the SAR can be forgotten about.

They really are absolute morons.  They've actually volunteered photos of their rubbish signage.  Signs in tiny writing in the stratosphere above two much more prominent signs.  I particularly love "Image Capture - June 2019".  You were there in October 2018!!!  So good of them to admit they have no proof of any signs at all being present when you were there!

I know it's five years ago, and a real long shot, but can you remember why you were there?  Were you in any particular shop, or at the McDonald's?

We could do with some help from you.

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yeah I know 🙂 some part of me wants to wind them up some more - but I will leave it.

I cannot remember why I would be there for that long and also being a Monday. I would go through Bank statements see if a find a clue

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With a well thought out WS they are mknackered image capture June 2019 as Dave says, it undermines their case as its definitely not proof that was in place previous year.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Could you please post up the whole original PCN front and back as a small part of it looks as if it does not comply with the Protection of Freedoms Act 2012 which governs the private parking sector.

If it does not comply then only the driver is responsible for the charge and the keeper is not liable to pay the charge at all. Even if you were the driver they still have to provide some sort  of evidence  that you were driving since the Courts do not accept that the keeper and the driver are the same person. And of course any one of thousands of motorists are able to drive your car providing they have a valid motor insurance policy.

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Early "copy" DQ's are getting to be a regular intimidation tactic.

Imagine some poor, ignorant, John Doe getting this one... "My god!... I have to attend Court in Runcorn?!"

  • Haha 1

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

 

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  • 4 weeks later...

Hello Caggers,

Does it take this long to hear back from the courts? I'm worried I may have missed something - I don't want these fleecers to win on technicalities.

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Might be a backlog you could always give thenm a call .

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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

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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why do you need to write/call?

just look at the claim history on mcol

have dq n180's even been sent out by the court?

copy and paste claim history here 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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A claim was issued against you on 04/08/2023

Your acknowledgment of service was submitted on 13/08/2023 at 16:39:28

Your acknowledgment of service was received on 14/08/2023 at 08:05:17

Your defence was submitted on 01/09/2023 at 10:16:14

Your defence was received on 01/09/2023 at 12:05:16

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Good news.

So the court has done nothing since defence stage.

As Nick said -

On 06/10/2023 at 13:10, Nicky Boy said:

Early "copy" DQ's are getting to be a regular intimidation tactic.

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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