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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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Arrow/Restons default CCJ old Debenhams card - chasing payment


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Hi all..

 

I got a reply to my letter today

 

We write further to your letter of 17 May 2017

 

Please note our Client is not agreeable to your offer of £150.00 to settle the account in full. However, if you can afford to pay £1,343.49 by Wednesday July 06 2017, then our client will not look for payment of the remaining balance owed and close your account. This represents a saving of £149.28.

 

This offer is for a limited time only and after Wednesday July 06 2017, if you have not taken advantage of this offer, the full balance of £1492.77 will remain outstanding. If you do not wish to take up this offer or if you are unable to do so, we will require your repayment proposals towards the full balance by the same date.

 

If you would like to further discuss this offer or to speak to someone about your account, please contact us on 01925 xxx.

 

Should we fail to receive a response to the above by the date provided, the matter may be referred back to Court for enforcement by way of a Warrant of Control.

 

yours....

 

 

I have no idea what a warrant of control is?

 

is it worth me trying to drag this out till 30th Aug 2017 or will it not go away then?

 

Shall I do the N245 form and pay £1 as I am on State benefits?

 

any ideas?

 

thanks!

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Warrant of control is were the Court Bailiffs can list you belongings in your home and remove them...get that N245 in pronto.

 

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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Hi Andy,

 

Thanks for your reply

 

Completed and printed the N245 and the help with fees I applied for online, will post tomorrow.

 

Should I contact Restons? or wait till I hear from the court?

 

Also, is it worth sending a letter with my form sayingI was living out of the country when the CCJ was issued? and I didn't know about this till Restons contacted me in May and I had replied with a settlement offer?

 

thanks

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No the court will inform them of your application.

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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  • 4 weeks later...

Hi,

 

my post has just delivered a variation order. Set at £1 a month, first payment due by 31st July.

 

Thanks soooo much for the amazing help here!

 

last questions! , now I have this, if Pestons try to get a warrant of control will this over rule them and they can't? as long as I am paying the £1 a month?

 

This Variation says to pay Lewis Debt recovery, will Pestons know I have this? and will Lewis contact me with payment details?

 

 

thanks!

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Correct minkie....If I was you I would contact Lewis yourself and arrange payment...keep copies of all correspondence.

 

Well done.

 

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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time to get all the statements and get reclaiming now?

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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hi

 

what would I be reclaiming?

 

I'm just looking through my paperwork as the Variation Order says to pay Lewis Debt Recovery...I have nothing from them, all from Arrow / Restons but when I googled them, they aren't in business? Shall I contact Restons?

 

Thanks

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lewis are hoist group HPH2 robbersway...nothing to do with arrows group.

 

 

who do lewis say is their client

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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From your post #13

 

It shows the claimant as Arrow Global, the amount being £1492.77 plus £167.00 costs. with a first payment of £125.00 being due by 14/9/2011 and that the claim wasn't defended.

 

The address for Payment is Lewis Debt Recovery and it looks like Restons were the ones taking me to court.

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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  • 1 month later...

Good morning everyone....

 

I'm back with my latest drama..I wrote to Lewis and haven't had any reply. I had a nasty fall and time slipped by. one broken right wrist made typing / writing virtually impossible,,,so I did nothing...and I've heard nothing...

 

so my question is..do I leave alone and pray it's gone away unless pestons go back to court? or do I write to anyone else? if so, who?

 

thanks!

Edited by minkie64
typo
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Its not gone away...you need to arrange payment either with the Claimant...Lewis Debt Recovery or try Restons......get the payment running...even at a £1 pm if you are in default they can execute further.

 

 

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

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  • 3 weeks later...

Hi

 

I have never had a reply from Lewis so I wrote to Pestons..2 weeks later I get this response

 

We do not appear to have received a copy of the Order you refer to in your letter. Please, therefore, forward a copy to us so that we may investigate this matter further.

 

In relation to the above matter, we are still awaiting the Order of the court following your application to vary the Order. Once we are in receipt of this we will correspond with your further.

 

yours...

 

Shall I just send them a copy of the court paperwork or leave them to sort it? I don't understand their letter, it seems to contradict itself!

 

thanks

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Yes just send a copy of the Variation Order..retain proof that you sent it and then leave it to them if they wish to arrange payment.

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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  • 9 months later...

Hi

 

I'm back with an update o n this drama...

 

I sent a copy of the Variation Order in Sept last year and heard nothing, not paid them and forgot about it to be honest....till yesterday when I got a letter...

 

70% discount available

pay £447.83 to settle my account

 

Dear Madam,

 

We act on behalf of Arrow Global Management Limited who has obtained a CCJ against you.

 

Our client would like to give you the chance to settle your outstanding balance at a reduced rate by offering you a 70% reduction on your current balance. This offer will expire after Monday August 13, 2018. Should you not take advantage of this offer, the full balance of £1,492.77 will remain outstanding and without suitable repayment proposal towards the outstanding balance enforcement action may be taken against you using one of the following methods:

Attachment of earnings

Warrant of control

Charging order

 

Please not enforcement action may incur additional costs which you will be liable for. It is now important that you contact us.

 

Pay the sum of £447.83 to settle your acocunt

Satisfy the CCJ and improve your credit rating

Contact us to discuss an affordable repayment plan

Avoid further legal action

 

Call today to speak to a case manager on xxxx

or go online to make a payment

 

yours...

pestons

 

 

so,

 

I can't pay this amount, could scrabble about £220 together, shall I write, send another copy of variation order and offer £220 in full and final settlement and if not accepted, tell them I want to pay the £1 a month as per variation order?

 

just curious with the 6 year date long since gone as to what they can do?

 

thanks for your help

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" Please not enforcement action may incur additional costs "

 

Also note that further enforcement would require permission of the court as the judgment date is now over 6 years old....so yes it is possible assuming they go back to court..pay a fee...and get permission to execute after limitation period....which is very rarely allowed without good cause.

 

An action cannot be brought on any judgment after the expiry of 6 years from the date it became enforceable. The term “action” only applies to the commencement of fresh proceedings on a judgment, it does not include enforcement proceedings so, strictly speaking, for enforcement purposes and enforcement proceedings, no limitation period applies. However, any delay in enforcement on the part of the judgment creditor will affect any award of interest as recoverable interest is limited to 6 years on a judgment that is executed after the expiry of the 6 year period.

 

Court permission is required to enforce a judgment debt that is more than 6 years old. In a particular case of Warrants of Execution, these must be renewed after 12 months if they have not been enforced. Further, the court is entitled to take account of delay and enforcement when exercising its discretion to grant any Order sought.

 

Keep the discount letter safe...but I personally would ignore

 

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

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3rd one to get a discount letter on an old IND CCJ here this week

Ignore!!

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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No its not!!

No need to pay anything

And it resets the clock

 

Knowing ind theyll try and collect the rest later

 

Never trust ind or link!!

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

Cant reset the clock DX...judgment in place.

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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Good

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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