thebaneofbanks
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Some advice needed please
thebaneofbanks replied to maxandsasha's topic in Debt Management Plan Companies
this sounds to me as if B&E put you on a 20year DMP. I would be querying if this was actually best advice. -
@aldiuk Parking Charge Notice - Aldi
thebaneofbanks replied to thebaneofbanks's topic in Private Land Parking Enforcement
I didn't pay for parking.the PCN says as follows: "On the 12th November 2014 vehicle ** ** *** entered the ALDI Didsbury car park at 14:07:31 and departed at 18:56:01 on 12 November 2014. The signage which is clearly displayed at the entrance to and throughout the car park, states that this is provate land, the car park is managed by ParkingEte Ltd, that the maximum free stay authorised is 2 hours 0 minutes, along with other terms and conditions of the car park by which those who park in the car park agree to be bound. Bt remaining at the car park for longer than the stay authorised or without authorisation, in accordance with the terms and conditions set out in the signage, the Parking Charge is now payable to ParkingEyeLtd (as the Creditor)" it then goes on with a lot of legals. Should you also need that let me know. The charge is £70 but is discounted to £40 is paid within 14 days of the date issued which is 19/11/14. -
@aldiuk Parking Charge Notice - Aldi
thebaneofbanks posted a topic in Private Land Parking Enforcement
Hi I have today received a Parking Charge Notice (PCN) from a company called parking eye. It is for an incident that occured on 12/11/14 and was issued on 19/11/14 but only received today 24/11/14. My question very simply is are these notices enforceable or can I just ignore it? If anyone needs any further information please just ask and I'll give it, however I wont be able to do so until this evening Thanks in advance. -
there is something in the back of my head that says they cannot chase bills over 12 months old if the mistake is their fault. It would seem to me that may well be the case here.
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possibly a silly question but I'll ask it anyway. You say "*I did return the cheque again, with what detail I had, but by this time it was outside the time for a reduced payment. I sent a covering letter explaining the circs and that I would now consider the matter closed" Did they cash the cheque and keep the payment? If so I believe that you can argue that as they have accepted your payment the matter is closed as that was a condition of you making the payment.
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you can easily check if she is on an IVA by going to https://www.insolvencydirect.bis.gov.uk/eiir/
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First Step Finance-Fiend or Foe?
thebaneofbanks replied to potless39's topic in Debt management and Debt self-help
The money should be in a clients account so should be safe. I understand that the administrators are Begbie Traymors so may be worth giving them a ring. One bit of interesting news is that apparently Christine Whitehirst (the owner of FSF) was the person taht made the announcement to the staff about DHA (who had supposedly bought out FSF) going into administration. Apparently she has also had discussions with the administrators so I guess it makes you wonder who was in control of DHA and if the Whitehurst family had sold out why do they still appear to be involved. -
Actually in fairness to First Step Finance (and I am not a fan of theirs) that is one thing that they did claim to do check the legality of the debts. Also as for the likes of Step Cahnge while they claim to offer a free service they do get a payment from the creditors.
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First Step ae now called Debt Help and Advice. Essentially there was a management buyout and all the Whitehursts have left. The company essentially I believe employs the same staff and the management now consists of the previous Financial Director and Operations Manager plus one other guy who I understand has experience of trading standards. The last I heard they had not started selling any new plans yet but definately were heading in that direction.
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what I dont understand is if the house was left to him by his Mother (who I am assuming has died) and there was a shortfall why he had to take out a loan. Surely that would have been the responsibility of the estate and if there was no money in the estate then that would be the end of the debt. Who advised/told him he needed to repay the shortfall as that tome seems to be very dubious.
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Guys, I'm just wondering why no-one has asked is she getting all the financial help she is entitled to. I would have thought if she is of work and I'm guessing getting SSP only as the figures look about right why is she still paying full rent and council tax. has she not applied for housing benefit and council tax benefit and if not why not. As for the possible suggestion of a DRO I would think that slightly drastic at this point without knowing a lot more information and also if this is likely to be a long term problem. The person who asked if she owned her own home obviously doesn't appear to have read the thread correctly as maggie states that her friend is paying full rent. There's the clue that she doesn't own her own house. Personally I would think her best bet is to see if she is getting all the benefits she is entitled to specifically Housing and council tax benefits and then to send all creditors an I&E and to make reasonable offers based on what she is able to afford.
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As much as they can realistically get. If as you say you are in the process of sorting out an IVA with CCCS you need to speak to them as a matter of urgency tomorrow morning so as they can get things moving. If you have been offered a lump sum is it a gift or would they want the money back at some point? If they want the money back it is a debt so you couldn't realistically use it to fund an IVA. Speak to CCCS tell them everything including the legal action that is happening and tell them to get a move on, as I say they should be able to get an interim order stopping all legal action while the IVA is finalised.
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Probably not especially if they got more than the other creditors would get. The other creditors would in all probability vote against the proposal as you have given another creditor more favourable terms. Essentially all creditors should be treated equally. Have you told CCCS that you have a lump sum? If so is the lump sum big enough to do a settlement with all creditors via an IVA. This would only work though if you essentially had little disposable income left after the payments of your normal essential living costs. You need to speak to CCCS or an IP urgently to get this moving ASAP.
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My understanding is that for an IVA to be successful you have to get acceptance of the proposal by 75% of the votes by value of the debt. In other words if all the creditors vote at least 75% by value of the debt has to say yes. If any creditors do not vote they are bound by the terms of the vote and have to accept what has been agreed. As an example say you owe 20k to 5 creditors. You owe one of them 10k 3 more 3k and the last one 1k. If the four small creditors vote yes and the larger creditor does not vote then the IVA is accepted and the largest creditor has to accept it. Equally if they all voted and the largest creditor declined the IVA then the IVA would fail. Hope this makes sense to you.
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Then speak to CCCS at once. As I understand an IVA if there is a valid proposal it stops all legal action proceeding. Based on that I would speak to CCCS and see how far down the path they are and ask them what needs to be done. One thing worth looking at is what percentage of the total debt this covers. If it is more than 25% there is a possibility the IVA may fail if this company really have it in for you as they can defeat the IVA themselves. Hope this helps and makes sense to you.
