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ok lets bring up a phrase, fools rush in ....with reams of info in long posts as an initial response without asking basic questions first and overwhelm the OP with info that might not actually be correct across all their debts... i can see from the q's in your last post that this might apply.... regardless to where a debtor lives NOW, if the credit was taken out whilst resident in E&W, E&W SB rules apply, moving to scotland does NOT change the SB rules to the Scottish system whereby a debt is EXTINQUISHED dead gone parrot after 5yrs of no payment. you cannot send an SB letter if you have paid within the relevant SB period. you have ack'd the debt by paying, UNLESS there was already an SB period that existed before you started repaying a debt because someone told you too. the rock and a hard place is the fact whatever you do, credit is fruked for 6yrs, until credit files show no registered defaulted debts. i'm must also pointout if a debt already shows a registered defaulted date on Credit files , you should keep paying what you say/move to £1PCM, don't stop. if a debt does NOT show a defaulted date in its summary, then STOP paying till you get a default notice from the creditor, then once its registered, resume you payment/move to £1PCM. so the question that exists is...were any of YOU or your partners debts open whilst registered in E&W? dx -
By lookinforinfo · Posted
You say the driver has not been identified. you say you challenged the PCN. Did you write it or your friend using your suggestions. PE are pretty crafty when motorists write in to challenge their PCNs. They ask things like "are you challenging as the driver?" If your friend ticked " yes ", then they identified as the driver. Could you please post up the exact wording and copy of the challenge made. If you are certain that the driver has not been id'd, you could send them an SAR and ask for the information and where the proof is where the id occurred. If they lied I guess they may well cancel the ticket. -
By lookinforinfo · Posted
Hi Bookie, good to hear from you again. I am pretty sure that Gatwick and Heathrow now work the same con of having to pay a £5 fee for dropping someone off at the terminal. So as your friend did not drop anyone off and did not stop, they were not in a position to read the T&Cs so did not accept the contract. The airport is covered by Bye Laws so the PCN cannot be PoFA compliant which means that only the driver can be held liable and even they cannot be liable as they did not accept the contract. They did not stop, so no waiting time involved. Nothing to pay so discount period irrelevant. Complain to Airport and the ICO. Do not disclose the driver's name. If writing to complain, ensure that the complaint is in the name of the keeper. -
As you can tell from the regulars' reactions, you've gone about this differently from how we normally do. However, if the appeal is with POPLA - it's a matter of waiting for the result then taking it from there. -
By Badtimes123 · Posted
You're very welcome SF Yep it's a relief for sure! I'm almost 18 months into the 'stopping paying everyone at the same time' idea, so I know what's coming for you and it's nothing to worry about. Your postman might start getting annoyed though Just remember, should you ever receive a letter of claim / letter before claim DO NOT ignore it! come back here for help. Over the coming months and while you're witnessing the deforestation arrive via the post, stick around CAG and read read read
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