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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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ECP ANPR PCN - didn't use terminal- Hornsey Central Health Centre


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Received the attached today.

The centre has free parking provided the number plate is entered on arrival at the surgery, which we forgot about.

Given it's another of these private companies, what would be the best route here

- ignore until letters either stop or court action threatened?

 

 

2024-02-24 ECP NTK for 2024-02-19 PCN.pdf

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  • dx100uk changed the title to ECP ANPR PCN - didn't use terminal- Hornsey Central Health Centre

thread title updated pdf properly named

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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As Bazooka Boo said much of the PCN missing and it is the missing pieces that can help your case since the PCN is governed by the Protection of Freedoms Act 2012 . If the wording does not comply,  you as keeper are not liable to pay the PCN. Even if you were the driver as Courts do not accept that the keeper and the driver are the same person it will be pretty hard to prove that you were the driver.

All it needs for you to know the whether the PCN is compliant is to post up the whole PCN front and back.

Edited by lookinforinfo
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Sorry for not completing PDF/info correctly or posting the other side of the PCN. That is attached and below are answers:

1 Date of the infringement 12 Feb 2024

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 19 Feb 2024

[scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s

3 Date received 27 Feb 2024

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] YES

5 Is there any photographic evidence of the event? YES - just numberplates, not the car

6 Have you appealed? [Y/N?] post up your appeal] NO

Have you had a response? [Y/N?] post it up NA

7 Who is the parking company? ECP

8. Where exactly [carpark name and town] Hornsey Central Health Centre, London

For either option, does it say which appeals body they operate under.

BPA

 

2024-02-24 EPC NTK for pcn 2024--02-12.pdf

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Are you able to get some good (readable) photos of the signage? (Including the signage and system to enter details inside).

Also, is this a new parking scheme?

We could do with some help from you.

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The first thing is to let the surgery know that you didn't enter your car registrtaion when you visited and ask them to confirm to Euro that you were a patient on that day and Euro should cancel. The quicker you do that before matters escalate, the more lkely that they will cancel. You could suggest that  they put up a sign reminding drivers to enter their vrm.

thank you for posting the whole of the PCN which confirms that it does not comply with the Protection of Freedoms Act 2012 Schedule 4 Section 9 in two ways. [2][e] of S9 states

(e)state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper—

(i)to pay the unpaid parking charges;

Your PCN does not. All it does is to ask the driver to pay which is not enough. In addition under [2][a] the PCN should specify the period of parking. Instead it gives the arrival and departure times of the car as it passes the ANPR cameras which is not the same.

That means that you as keeper are not liable to pay the PCN only the driver is now liable. Courts do not accept that the keeper and the driver are the same person so proving who was driving will be difficult for Euro.

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49 minutes ago, lookinforinfo said:

The first thing is to let the surgery know that you didn't enter your car registrtaion when you visited and ask them to confirm to Euro that you were a patient on that day and Euro should cancel. The quicker you do that before matters escalate, the more lkely that they will cancel.

Nail.  On.  Head.  Hit.

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We could do with some help from you.

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Just thinking out loud here......but.... if they are using the cameras to calculate the length of stay, then invoicing you for parking, how do they know if you parked or simply drove around the car park for an hour?

I know I'm nit picking, but you would have thought that they would get the terminology right?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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This particular car park is pretty small Bazooka though I think one woman got off even though it took her 30 minutes to exit the car park because of the queue in front of her trying to get on the main road at peak time.

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Thanks all - GP said:

We are unable to write to Euro Car Parks as were are completely unrelated to them. It is dealt with by the Ground floor reception for Hornsey Central. We can confirm that you were seen On 12th February 2024 at 5:10pm and you may use the consultation below to fight your case. Unfortunately, there is nothing further that we can do or you.

Thanks, 
Queenswood Medical Practice

we will provide that proof (redacted) to the “ground floor reception for Hornsey central” to see if they can cancel the ticket with ECP.

Just kept name, date and address visible on the doc the gp provided or should I redact more in case they provide it to ECP?

 

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I would visit the ground floor reception with the letter from your GP and show them whatever they need to get the PCN cancelled.

If they are unhelpful find out who is the boss of that organisation and write to them complaining about  the extra proof needed to avoid a PCN with insufficient notices advising of the necessity to enter your vrm especially when you are not even visiting the company that brought in the parking company.

Explain that that particular proof that parking companies use is a scam since they know that not many  people abuse car parks so they make the bulk of their income from visitors who are entitled to be there but have not been advised to register  [for example you ] or have forgotten to register.

 

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  • 3 weeks later...

Reception said we needed to email ECP directly with roof of the appointment and they would def scrap the charge.

Seems this is my only option now, but I know it's not recommended to contact them as it admits "fault"?...

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Well, the obvious question is why reception don't get off their backsides themselves and cancel it, they were the ones who called ECP in.

No, there is no problem in contacting ECP as long as you don't tell them who the driver was

Before going any further and potentially ending up in a mess, an important question.  Was the person who had the appointment the same person who is the registered keeper of the car?

We could do with some help from you.

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In that case do not write since you will then have to reveal your partner's name, effectively outing them as the driver which is the one thing you do not want to do.

As the keeper, you are in the clear since the PCN is non compliant.

Should it get to Court then you can say that your partner went in your car to the medical centre thus outing them there as the driver but by then it is too late for ECP to reissue a new PCN in your partner's name

and they have already named you as the driver and probably the keeper as well since they have no idea that their PCN was non compliant.

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I'm just thinking about writing but with a redacted proof of appointment, say with just the first letter of the person's first name showing.

There is no need for ECP to know the name of the patient, just that the person was a genuine patient.

 

We could do with some help from you.

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 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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Got a "Final noitication letter today.

I'll do a redacted copy of the proof of the medical appointment my partner had.

Question is

- can I do this via the official ECP appeals process?

Or just write a letter to the address on the PCN with redacted proof enclosed?

WWW.EUROCARPARKS.COM

Feel you have been wrongly served a parking charge? You can appeal a Euro Car Parks parking charge here.

 

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pers i'd hold until/unless you ever get a letter of claim.

On 22/03/2024 at 18:39, lookinforinfo said:

In that case do not write since you will then have to reveal your partner's name, effectively outing them as the driver which is the one thing you do not want to do.

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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But as long as my partner's name is redacted what's the issue in asking them to to cancel based on that proof?

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see what the experts conclude.

it might be a case of as you say simply obscuring the patients name .

it could also be interesting to use the term 'the driver or their passenger was the patient at Hornsey Central Medical Centre'

just musing.

however this MUST be done in WRITING ONLY

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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