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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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Camden Council PCN - pay by phone System down - Parked left note couldn't pay - still got PCN. Appeal refused - i could have gone elsewhere.!!


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I received a Penalty Charge Notice (PCN) issued for 06/10/23.

I do not have parking apps on my phone.

The Pay by Phone system was down,  which I tried to call 3 times.

An automated message gave an other number to call, which I was unable to get through on.

I left a note in the car window explaining the above.

A PCN was issued despite my written explanation.

I have appealed the PCN and Camden had rejected it, on the basis that I should've found somewhere else to park.

Obviously that would have not been possible, as the phone payment system would have been down for the whole Camden Borough. 

Interestingly, the Notice to Owner has the incorrect make of the car on it, although the registration is of course correct.

I'm wondering, if this is a procedural error, and if this could form an appeal against the penalty charge notice.

Thank you for any help

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  • dx100uk changed the title to Camden Council PCN - pay by phone System down - Parked left couldn't pay - still got PCN. Appeal refused - i could have gone elsewhere.!!

Topic title amended to make it clearer

well the wrong car wont help you no. sadly.

if you'd have had or gotten the pay by mobile phone app could you not have paid then?

im a bit confused by you saying, you don't have any parking apps on your phone and their other? pay by phone system was down too?

 

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 Camden Council PCN - pay by phone System down - Parked left note couldn't pay - still got PCN. Appeal refused - i could have gone elsewhere.!!

I get the impression that this person doesn't use apps on the telephone but instead relied on the council telephone service which was out of order.
So the position of the council that they could have found someone else to park would have meant that they would be obliged to leave the area completely.

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Just a thought... As it's a council, would "frustration of contract" as a defence, not apply in this case?

We could do with some help from you.

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Surely, the contract was entered into when the OP read and agreed to the payment terms on the signage?...

Then couldn't pay because the council's payment portal was faulty...

 

Sounds like the exact wording of the signage could be important here...

On 19/11/2023 at 21:36, Andy172 said:

I have appealed the PCN and Camden had rejected it, on the basis that I should've found somewhere else to park.

But does it state that on the signage (contract)?

We could do with some help from you.

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So...

1. A sign in a car park says "If you park here for an hour, you must pay £5".

2. You park your car... implicitly accepting that "contract".

3. An hour later, you leave without paying.

4. Parking company issues their invoice to you.

You can refuse to pay it with no repercussions, because there was no contract?

  • Haha 1

We could do with some help from you.

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Bravo 👌

 

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"Acceptance by conduct"

Always learning BF... Or trying to. There's so much conflicting stuff around!

We could do with some help from you.

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20 hours ago, spaceman61 said:

Contract law is clear.

A contract is only made when someone offers money for something and that money has been accepted/received.

[Pharmaceutical Society of Great Britain v Boots Cash Chemists (Southern) Ltd, 1952]

one of the main factors in the boots case was that it was open to the customer to change their mind and to return the item to the shelf and in time they wanted before the sale was made.

This is an essential element of that case.

In terms of parking, what you have parked – you have parked – and the car became eligible for a ticket at any time after that.

It's absolutely correct that if they visited the contract terms on the OP by administering a parking fine then clearly there must have been a contract in place.



 

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So, going back to my previous comment about frustration of contract...

What is the exact wording on the signage?

Also, is there any way of proving that their payment system was faulty? (Phone call history of the 3 calls attempted?)

If the above points are favourable, would it be in the interests of the OP to just allow Camden to take it to court and cite frustration of contract?

Or is there another avenue of appeal to somebody who might actually have a brain, rather than just using standard template replies?

 

We could do with some help from you.

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I think it would be helpful to do a freedom of information act enquiry to the council to find out about the outages on the telephone system that day

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That's a bit like saying if I walk into a shop and pick up a product and walk out, I haven't made a contract because I haven't paid! But what I've done is still 'unlawful'. Rules for parking are set out in TMOs or TROs.

If you park and don't pay you haven't entered a contract under contract law, but instead you have breached a legally enacted order detailing the conditions for parking there.

'Frustration of contract' is NOT a ground of appeal under the regulations.

This goes to mitigation at best and is a matter solely for the local authority.

Adjudicators cannot consider mitigation, they are effectively barred from doing so by High Court rulings.

The High Court will not overturn an adjudicator's decision on judicial review unless there has been an error in law. None of the regulations currently in place apply to this issue.

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Maybe you can give us a link to the regulations.

 

In terms of your reference to walking out of a shop without paying, your logic is completely wrong

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Sorry,  don't know enough about local authority parking regulations to comment on spaceman's post, but it doesn't "sound" right.

Maybe @dx100uk has some input?

We could do with some help from you.

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8 hours ago, spaceman61 said:

Rules for parking are set out in TMOs or TROs.

correct but payment methods? if they dont work...

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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  • 4 weeks later...

and?

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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