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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi, I need some help. I had one of these left by Peter Nonle Watt.

 

I had a CCJ in April for some outstanding rent on a business unit. I had no notification that bailiffs may be attending.

 

They want £3000 which I don't have.

 

What can I do about this??

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I think he;s a HCEO. I'll flag your thread for admin notice and to get it moved to the right forum.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Hi, I need some help. I had one of these left by Peter Nonle Watt.

 

I had a CCJ in April for some outstanding rent on a business unit. I had no notification that bailiffs may be attending.

 

They want £3000 which I don't have.

 

What can I do about this??

 

Is it possible you can start from the beginning so we can see what we are dealing with?

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Is it possible you can start from the beginning so we can see what we are dealing with?

 

Ok, I had a business unit three years ago which I vacated.

 

The landlord wanted to charge me money that I didn't agree with.

 

Up to this point I've been ignoring the request for payment.

 

He applied to the court for a CCJ which was granted in April. I'm only aware of this after checking my credit file.

 

I did have the blue Northampton forms, but chose to ignore those as well. (Stupidly)

 

I have had no correspondence from anybody, including the court. Today high court bailiffs turn up while we were out and levied on items outside the house.

 

I don't know what to do. Should I have had paperwork to say the court decided in the creditors favour?

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As you ignored the original paperwork from the Court your Creditor will have been awarded Judgment but you should have been informed of this by the Court. As for it now having been transferred for enforcement then unfortunately there is no requirement for anyone to inform you and the first you will know is when someone calls - which is what has happened.

 

In what capacity did you trade - sole trader, partnership, Ltd Co etc? Is the Writ in this name? You say they have levied on goods outside - can you list them exactly as described on the Notice of Seizure?

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You also state that the High Court Enforcement Officer "levied upon goods outside". Can you be a bit more specific...such as; did they levy upon a car, lorry, caravan etc. If so...do these items belong to you....are they on finance etc.

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You also state that the High Court Enforcement Officer "levied upon goods outside". Can you be a bit more specific...such as; did they levy upon a car, lorry, caravan etc. If so...do these items belong to you....are they on finance etc.

 

I traded as sole trader.

 

They levied on two unroadworthy cars (restoration projects) in my drive, along with a trailer, set if alloy wheels and garden patio furniture. All of which I own. Along with "all other goods required to satisfy writ"

It also seems that I'm missing a page, as there are some numbered points, but these only start at point 5.

I just want to get this resolved. I don't know how/who to make an offer of payment by instalments

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You need to apply for a stay of execution to the writ N244 and also make a realistic offer by way of an N245

 

With both of these if you are on any benefits you need to check if you qualify for fee remission(see form ex160)

 

Take a look at the aforementioned forms and if you struggle to complete or understand them, then come back here and help will be at hand.

 

Applying for the stay has to be your priority and if your local County Court is classed as a district registry then you can file your application there in person and explain it is urgent, if not then you will need to send to the High Court as given on the writ.

 

The N245 is pretty straight forward and you will need to complete an income and expenditure sheet to show your offer is the maximum amount affordable to you. When doing this always remember you are allowed to have a 'life' so only ever offer what you can comfortably afford and will be able to sustain payment to.

Edited by wonkeydonkey
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Following the above and if successful all enforcement is halted and unless you fail at a future date to make a payment on time the matter is under your control.

 

I would suggest you write to the HCEO company concerned and advise them of your set aside application but remember until such time as the stay is rubber stamped they are entitled to continue with enforcement, if they return while everything is being processed then it will be frowned on by the courts if they fail to take everything into consideration.

 

It will also pay you to rquest a full breakdown of the fees applied to the writ (in writing) and then post them up here so we can see if they are'questionable' as if often the case.

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It also seems that I'm missing a page, as there are some numbered points, but these only start at point 5.

 

Usually it is page one of a three part form 55 (2 x NoS and the WPA) that has the amount owed which includes points 1 to 4. As you know the amount owed I would presume you have points 1 to 4 also.

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Thanks for your help

 

Breakdown of the Total Levy

 

Judgement Debt - £1853.95

Judgement Costs - £0

Execution Costs - £60

Interest 8% to 1/5/13 - £27.23 @ £0.41 per day from 1/5/13

Sheriff's Fees - £822.76

VAT - £164.55

TOTAL - £2928.49

 

Sheriff's Fees seem pretty damn high to me!

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Sorry to any High Court Enforcement Officer who may be reading this reply but I personally consider that "Sheriff fees" of £822 on a debt os £1853 is steep.

 

i totally agree with you... WD will vouch that we had similar amounts to a similar debt.........not right at all they make things ten times worse in my eyes as people who cant afford the debt certainly cant afford the debt with there "steep" fees added.......... and i for 1 would not say sorry if my comment is read by any but i think they are the lowest of the low

 

and in fact after checking they added £1300 for a debt of just £695.....making it £2100 pound near enough ....rant over

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Distress as a remedy is problematic, as if the debtor cannot afford to repay the original debt, there is no chance they can afford it after the fees have doubled or tripled it.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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I'm still to be convinced that HCEO's are any more different than any other type of Bailiff particularly with regard to the fees they charge.

 

 

i agree PT they like to think they are different because they have "special" powers so they say ...the words "high court" give them super powers so they think...but when it comes down to it they are not much different and they charge ridiculous amounts of money that most dont have.

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What worries me about HCEO's is the frequent way in which an officer attending the premises of a debtor levies upon 5 or 6 random cars and, when questioned try to rely upon the old "chestnut" of Observer v Gordon which was even dismissed by the Ombudsman in the case of council tax. In so many cases that I have seen the officers knows perfectly well that the vehicles in question are nothing to do with the debtor and to my mind "levies" in any event so as to ensure that he can charge such high fees.

 

The case of Observer v Gordon has long since been overtaken by the appeal case of DSI Foods where the owner of a High Court company ( Shergroup Ltd) attempted to claim protection from the court for a significant PERSONAL claim when her officers went to the WRONG address. Despite being shown evidence that the goods in the premises were nothing to do with the debtor, the officers "seized goods" and in doing so.....barged their way into a "secure area" of the premises and contaminated a a significant amount of food ( the company have contracts with various airlines to provide in flight meals for passengers). The officers only left after the company's accountant was forced to pay the debt from his personal credit card.

 

The Judge made it clear that the officers must NOT assume that all goods on the premises belong to company "A" and instead, they MUST ensure that they read any documents shown to them and take into consideration what is being told to them VERBALLY by the owner of the goods.

 

The owner of Shergroup LOST the case.

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