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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Should this ever happen to me, I will make an appeal at the first stage to avoid any problems that may occur at a later stage. Although, any individual in a similar position should decide for themselves what they think is an appropriate course of action. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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hoist/? claimform - old LLoyds OD Debt - poss SB'd ***Claim Struck Out***


Travis.T
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My O/H has just received a court claim for a Lloyds overdraft ,

 

She has not banked with Lloyds since 2002.

 

She left the bank over a dispute regarding ppi etc.( The bank was formally informed the account was in dispute)

 

The claim is by Hoist Portfolio via Howard Cohen.

 

She has filed an embarrassed defence and will post a s77 cca request to Hoist in the morning

as we have nothing regarding this account ie aggreement / default notice etc...

 

Besides possibly being statute barred she doubt's if these documents actually exist...

 

Does she now just wait for cca s77 compliance OR is there more she needs to do.

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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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you shouldn't really use the emb defence its old hat now

 

 

should have been the SB defence

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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" Does she now just wait for cca s77 compliance OR is there more she needs to do."

 

Sections 77/78 are not applicable to current account overdrafts.

 

Andy

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Name of the Claimant ? Hoist Portfolio

Date of issue – 08/01/16

 

What is the claim for –

 

1.This claim is for the sum of £349 in respect of monies owing persuant to an overdraft facility under bank acc No.xxxxxx.

The debt was legaly assigned by MKDP llP (ex Lloyds banking group) to the claimant and notice has been served.

The defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank acc.

2.The claimant claims..

(1) the sum of £349

(2) Interest persuant to s69 of the county courtlink3.gif act 1984 at a rate of 8% from the 28/05/10 to the date hereof 2047 is the sum of £157

(3)future interest accruing at the daily rate of £0.08

(4) Costs

 

What is the value of the claim? £510

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Overdraft on current acc.

 

When did you enter into the original agreement before or after 2007? Before 2007

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. Hoist Portfolio

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Not aware of any assignment

Did you receive a Default Notice from the original creditor? NO

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? NO

Why did you cease payments? Did not cease payments....Moved banks in 2002

What was the date of your last payment? n/a

Was there a dispute with the original creditor that remains unresolved?

Yes..dispute was over ppi and charges etc..( Bank was officially informed of dispute in 2001/2002 non compliance of sar )

 

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt management plan? NO

Edited by Travis.T
correction
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can we have the full poc exactly as its written please

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... 

Link to post
Share on other sites

This claim is for the sum of £349 in respect of monies owing persuant to an overdraft facility under bank acc No.xxxxxx.

The debt was legaly assigned by MKDP llP (ex Lloyds banking group) to the claimant and notice has been served.

The defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank acc.

The claimant claims..

(1) the sum of £349

(2) Interest persuant to s69 of the county court act 1984 at a rate of 8% from the 28/05/10 to the date hereof 2047 is the sum of £157

(3)future interest accruing at the daily rate of £0.08

(4) Costs

Edited by Travis.T
spelling
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thank you

 

 

so you've already acked the claim on MCOL

 

 

and you filed an emb defence?

 

 

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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sri yes you indicated that earlier...

well lets see if it gets to mediation or DQ

then you can poss introduce SB .

 

 

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

hi dx..

Yes I filed emb defence.

I also added that I reserve the right to amend or file a full defence when the required documents are recieved. Providing that the claim is not statute barred..Don't know if this addition is valid or not !!

 

Not.....

 

Andy

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 OTHER

 

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  • 3 months later...

Hi again,some advice needed regarding this ...

 

Defence served on Hoist/ Cohens 14 jan 2016.with the footnote that they must contact court within 28 days to proceed.

 

Have just recieved court papers dated 27 april 2016 advising of mediation or to proceed to court.

SHOULD this be stayed as it is well over the 28 days??????

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so you have the N180 then?

as post 10 then...

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... 

Link to post
Share on other sites

Hi again,some advice needed regarding this ...

 

Defence served on Hoist/ Cohens 14 jan 2016.with the footnote that they must contact court within 28 days to proceed.

 

Have just recieved court papers dated 27 april 2016 advising of mediation or to proceed to court.

SHOULD this be stayed as it is well over the 28 days??????

 

It has been stayed...for over 2 months, now they have applied to lift the stay and proceed.

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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  • 4 weeks later...

Hi again...got the court papers/date a couple of weeks ago..set for 27 may

,with directions for both parties to comply

.So I sent my witness statement to the court 16 days before the court date.(last wed I think)

 

Just received letter from court

 

Claim struck out

Reason Hoist/cohen did not provide a witness statement within prescribed time and FAILED to pay fee on time as per directions of court.

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:-) Excellent...well done Travis.

 

Thread title amended to reflect the outcome.

 

Delighted for you.

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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