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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. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • 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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Lloyd sell 10yrs old Loan debt with CCJ/CO to Link - no-one has any records!!


cruzhughes
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Did not defend cos I only found out about that and many other things in 2015. The only reason I found out about this CCJ as I was digging through lots of other stuff and found a copy of an old 2006 credit report in a different company’s SAR paperwork and it was on there.

 

LR don’t hold anything I applied for official copies my deeds now say

 

3 (24.08.2006) Equitable charge created by a final charging order of the Brighton County Court dated 7 July 2006 in favour of Lloyds TSB Bank plc.

 

NOTE: No copy of the Equitable charge referred to is held by Land Registry.

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Yes well it would have been transferred to Brighton for enforcement of the charging order....Northampton only issue default judgment.

 

Northampton will have copies of the claim and judgment.

We could do with some help from you.

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Shall I email them or ring them?

 

when I went digging on it before Brighton told me this

 

Charging orders are usually taken out in the court where the property is so you will need to contact County Court at the email address below. You should give them the name of the Claimant/person who took out the charge, if you know it, and you may have to provide some form of ID to prove your identity before any information can be given to you.

 

Local court then told me There was something on the court computer for roughly same date as charge was placed but they can't open the file as it's so old?!

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Email or ring....You will need the claim number...but worth giving it a go .....but dont build your hopes up... it is 13 years old....and nothing you can do to alter it.

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

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This ok for court

To whom it may concern,

I am writing to you today concerning an equitable charge that, Lloyds Bank registered against my property on 26/08/2006 at Brighton county court Ranking 3rd on my Land Registry Title Deeds.

As it stands after applying for official copies

Land Registry have confirmed they don't hold a document copy

• Brighton court have confirmed they don't hold a document copy.

• My local county court (xxxxx) have confirmed they don't hold a document copy

• Lloyds Bank don’t hold a copy

The property this was registered at is xxxxxxxxxxxx

I have been advised to seek further information from yourselves as I am unaware how this judgement has occurred.

I hope you are able to provide further information on this with a matter of urgency.

I thank you for your time and look forward to hearing from you within 14 days.

Regards

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pers I would ring northants bulk Monday, though they tend to be very busy early on Mondays.

ask for a copy of the claimform and the CCJ by email pdf.

 

reading through the thread

whatever happened to the ppi refund, it was very low compared to wht you shold have gotten, and ofcourse that should come off the outstanding balance which is why, if my memory is correct we hoped the refund would be greater than the value of the CO...equals shouldn't now exist?

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 ppi was paid directly to me.

Debt was sold during the claim

I will get on to them. I’m dont think link will be able to do anything in regards to this with it being so bloody old.

But Lloyds shouldn’t be named on anymore should they ? link should??

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as andy says and I said earlier it makes no diff, its easy for link to get it done, same as prime did on your other thread.

 

it would be interesting if you were to phone Lloyds and tell tem you want to pay it off please can you put me through to the correct department...:lol:

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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Actually I wrote to Lloyd’s again the other week as id been speaking to mortgage advisor with regards to remortgage, asking them if they could not substantiate charge remove it. If they could would they agree to a deed of postponement.

 

He advised that welcome/Prime would probably not consent unless they were paid off.

 

So I’m waiting on a reply off Lloyd’s on this anytime now. Cos if they say no. Then I would seriously have to look at adding everything including prime in. Now with prime getting a settlement figure is going to be more tricky. :roll::roll::roll::roll::roll:

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  • 4 weeks later...

so no-one has any records at all but the charge is still there...wonderful

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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I’ve rang the court a few times no luck getting through. I am waiting for an email response any day now.

this is just crazy! 

You think link would have applied to the court for proof  not tell me too.. seeing as they think they are owed the money 

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  • dx100uk changed the title to Lloyd sell 10yrs old Loan debt with CCJ/CO to Link - no-one has any records!!

Good morning,

 

Thank you for your email.

 

Please note your case has been transferred to the County Court at BRIGHTON.

 

As we no longer hold this case at the County Court Business Centre, I am unable to take any action or provide any updates in relation to this claim and you will need to forward your email to the relevant Court to be processed.

is it me or am I just going around in circles?? 2016 I got in touch with Brighton and they said I need to get in touch with my local court. Which I did.. 

Edited by cruzhughes
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Reply from Brighton

 

Dear Sir,

 

Thank you for your email, unfortunately as previously stated due to the nature of the case being very old we no longer have the file and it was before our electronic records began. We suggest you contact the claimant who may have retained some documents regarding the case. 

 

Kind Regards,

 

 

Im banging my head against a brick wall 

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  • 2 weeks later...

From Brighton after me sending this 

Thanks for the reply,

 

The claimant holds no documents either. 

I have been everywhere to try and track this information down. 

 

As I stands I have a charge on my property which could cause problems if I wanted to remortgage or sell. But no one holds and proof. 

 

Is there any further advice you could give about removal of this charge please 

 

Dear Sir,

 

Thank you for your email, we believe that the land registry may hold documents relating to this case as it may be registered with them when the final charging order is made. We suggest you contact them for more information.

 

Kind Regards,

 

The land registry don’t unfortunately. After I had applied for official copies they then updated the register to state this this back in 2016.

Dear Sir,

 

Unfortunately we are unable to provide any further documents to what the land registry have provided due to the file being destroyed.

 

Kind Regards,

 

Still no closer 

Edited by cruzhughes
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