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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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OH's Lewis debenhams card 2009 CCJ/CO - now robbersway chasing


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Hi, Hopefully someone can help with this..

 

My wife took out a debenhams card back in 2005

 

 

due to difficult circumstances in 2008 she defaulted on the account.

this lead to eventually having a CCJ registered against her and a charge put on the property in October 2009.

 

i have all the paperwork for this including the original agreement she signed in store, default notice court claim form the works.

 

we are in a better position now and would like to know what would be the best outcome for resolving this? The CCJ is for just over £2k

 

The ideal outcome would be to get the charge removed removed from the property,

the CCJ removed from the credit file and a chunk if not all of the outstanding balance written off but that maybe too optimistic.

 

any advice would be welcomed.

 

Thanks in advance

 

Covers22

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CCJs remain for 6 years from date of inception. Sadly you wouldnt get rid of it per-se but if you pay it you could get it Satisfied.

Getting a charge removed is certainly possible. Have you checked for PPI etc and Charges? These are all reclaimable from the original creditor :)

 

How much can you afford monthly?

Also did you challenge and defend when you received the court papers?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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In answer to what we can afford monthly and the defence at the time.

 

We could probably just about to scrape enough together to pay it off

(that would be using available credit cards as well) if that meant

 

 

we could negotiate removing the CCJ from the file otherwise we could do £200 a month max to get it cleared.

 

We naively didn't challenge and defend at the time, we hoped it would go away it wasn't a good time financially.

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the CCJ will VANISH on its 6th birthday PAID OR NOT

 

 

the CO is a different matter

 

 

whos the name against to CO

 

 

wont be DB's

it'll be a debt buyer.

 

 

PPI reclaim FIRST that's for sure!!

 

 

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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Awesome penalty charges and PPI! Reclaim it all !

It will bring the balance down! :)

 

Yep the Charging order is a different matter as DX said

Do not pay credit with credit... Itll sting you in the long run.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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the CCJ will VANISH on its 6th birthday PAID OR NOT

 

 

the CO is a different matter

 

 

whos the name against to CO

 

 

wont be DB's

it'll be a debt buyer.

 

 

PPI reclaim FIRST that's for sure!!

 

 

dx

 

I has a question for you DX...

 

IF PPI and Penalty fees are reclaimed and the debt is wiped. Does it make the CO not valid any more? Technically there is less debt on this?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Thanks for the advice, i will start with reclaiming the PPI and charges and see what is left to clear.

 

Can PPI and charges be reclaimed on the same claim? if so can anyone recommend a thread where the process is explained?

 

c22

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the reclaims will be against the original creditor

 

 

so the money will goto you.

 

 

you then use that to pay the CO off to whomever is NAMED on land registry?

 

 

have you checked who it is?

 

 

reclaiming is EASY if you have ALL the statements?

 

 

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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The Lewis Group on behalf of CL Finance is named on the land registry and GE Money ran the Debenhams card at the time.

 

I have totted up the PPI and late charges which equate to over £1200 and @ 8% APR (is this correct) the interest is over £800 so once reclaimed i shouldn't have to add much to settle.

 

c22

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if it was a credit card

 

 

then use TWO copies of the CISHEET :

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

 

are you aware of the date they stopped interest at their rate?

 

 

one copy - for every PPI payment - put their int rate in cell d 15

 

 

another copy: for the PENALTY charges.

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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passed or sold to a DCA?

did you receive a notice of assignment.?

 

 

it should be possible to findout when interest was stopped via the statements?

 

 

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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oh great so cohen has not ever sent a statement since

that's against FCA guidelines for a start!

 

 

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

i have received a few sporadic statements from CL Finance since the CCJ was lodged. but these have the balance and court & solicitors costs only and some £1 charges for letters.

 

I have also received another notice of assignment in march this year from Hoist Portfolio Holding Limited (Robinson Way Limited) but no further correspondence.

 

c22

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ok well cl/hoist/robbers are all the same lot

under H2HP2 holdings ltd.

 

 

is int still being charge on the last 2007 ge statement

though surely there must be ones till the CCJ mind you have not got?

 

 

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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Interest was being charged on this account until September 2009 which is the last Debenhams statement I have. We cancelled the ppi on this in June 2007 and still used the account until we had difficulties in 2009 when we could no longer afford to pay and we got a default and the account was passed to the DCA.

 

C22

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then I'd suggest an sar to the oc.

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 original creditor

 

 

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

Would the SAR give me any additional detail, i have all the original statements and i'm sure all of the letters.

 

I have looked through the paperwork again and the last interest i was charged was on 8th September 2009 to to summerise

 

  • The account was opened December 2004
  • The Account cover (PPI) was cancelled by us in June 2007
  • The account was run until and was passed to the DCA in October 2009
  • The last interest charged was in September 2009
  • The interesticon rate on the account was 29.9% APR

 

i have filled out 2 copies of the CISHEET as advised but am unsure of what to and from dates to use and what interest rate to enter for each (PPI and Charges)

 

regards

 

c22

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the int will be as you state 29.9

 

 

you need to be SURE when interest was charged till

 

 

you say you have all the letters

you say it was passed to a dca.

so it was not SOLD?, and you did not get a notice of assignment around that date?

 

 

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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Sorry, missed an important document

 

  • The account was opened December 2004
  • The Account cover (PPIicon) was cancelled by us in June 2007
  • The last interest charged was in September 2009
  • I have a Notice of Assignment from Howard Cohen dated 18th September 2009

 

c22

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