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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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Backdoor CCJ Teressa/ELS CCJ/CO - old Blackhorse Car Finance Loan


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i have a problem similar

no one seems to know who owns it as all the ones the court are all one i dont even know if i owe it but it is stopping selling my property please help

 

hi, i have a problem

 

i trying to sell my house

found out i had a charging order

i have never received any correspondence or letters

 

i contacted who my solicitor it was

i contacted them they are now closed down

I rang the court they gave me a solicitor phone no

no call answer closed tone.

 

i have never been a court order to go to court

i know nothing accept a ccj that dissapeared in 2007

not heard from anyone untill we found this charging order

 

im sure its mine

what can i do my house in joint names

i need to sell, or can contact them.

 

i contacted the court they just gave the solicitors in southend i dont think its mine i never have received a charging order

 

tried them they're not there and no one seems to know who owns it as all the ones the court are all one i dont even know if i owe it but it is stopping selling my property please help

 

the original from teressa was 2004 i heard nothing since or of any charging order if i dont owe it why is ti on there

Edited by dx100uk
merge & spelling
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jc please keep to this thread

not randomly posting all over the forum.

 

you say you have found a charging order in only your name

 

and the home is jointly mortgaged/owned ??

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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  • 3 weeks later...

hi there

its a joint account and i have found out more info which seems to be very unfair

i have contacted the court southend at who told me it was a company called ESL cole,

they seem to have changed names,

Went to a company in raleigh who seem to have taken terrsa debts,

i was wrong but was esd bver dodgy was a solicitor anthony cole ex esl cole was working for their compan (intrrged)

i asked to speak to him

this was what i asked thanks for your help

the only details i have are below.

southend court gave me teressa then they said ELS and cole

ref number .....

i know nothing more except the above i might have to court to get it struck out unless i can sort it quickly

my solicitor is trying to sort it out as i know nothing about this if you can help thank you

i then got this reply from him,

Anthony Cole

Mar 2 (2 days ago)

to me

Hi

 

Please see below email.

Can I leave this with you please.

Many thanks

Anthony Cole

ESW Legal

 

From: me

Sent: 01 March 2018 16:34

To: Anthony Cole

Subject: charge order

 

this person has an email for a company which went out of business in 2010

i smell a rat somewhere sorry for the long email

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Please answer the questions in post 7

Simple yes or no only please

so its a tessara portfolio/els cole CCJ [debt buyers now part of the arrow global group] that's how they got a CO too

and most probably sent to an old address as you didn't update your creditors when you moved.

https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=esw+legal&sa=Search+CAG#gsc.tab=0&gsc.q=els%20legal

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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hello

i have never moved and have never received any details of this including change off companies

i think its best i go to to the court

its all very strange,

i have never received anything regarding these or any other paperwork until i tried to sell the flat,

after 12 years of no info what am i supposed to do

i only found about it when i tried to sell it,

12 years without any info or letters, it would have been paid off.

i didnt know so nothing paid ccj gone no other info

i have always been at that address i am being conned i think

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ah good so why did you not get ANY paperwork

you would have got numerous letters from the various DCA's in the group

then a letter of claim

then a court claimform pack from northants bulk.

then a judgement for the claimant from the court

then notification about the coming CO attempt

 

so tomorrow go ring northants bulk court

you'll need the CCJ [reference] number you have in that email above

 

ask for a copy of the CCJ and the Claimform in email PDF

 

is English not your first language?

 

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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  • 2 weeks later...

did you ring northants bulk today?

you need a copy of the claimform and the CCJ by email pdf before you can even attempt to resolve this.

 

have you been up on the gov land registry site and got a copy of the charge?

you need that too

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 was not sure how this court gave me another company,

i rang them asked them for urgent details still

they said i have 2 with the same,

1 at the old address we left there 2002,

i have heard the before ive never paid penny odd then or since 2004

ring northampton bulk i will do that monday,

if its a charging order they leave its gone up another 1000 since i spoke on here 1st, they say a loan from blackhorse

never knew it existed till i tried to sell flat

my wife has a charging which will be paid,

the one in my name ive never heard of in 15years,

i cant see any charging order on credit file

 

please i will do what you say i will ring Nothampton monday morning

hi andy

sorry my laptop was sticking i will take it, if i knew i owed any money i would have paid it

i have a solicitor shes got the deeds with the charging order,

joint account

i have never paid or heard of the order until i spoke to southend court who gave me code,

i rang them

they are not involved anymore

a week later southend gave me these people

i sent them an email no answer last wednesday,

i said its not mine im sure,

they said they will send me details, none arrived so far,

they also said theres 2 now, both are for black horse.

i told them ive have any mail,

they said the old address moyser which its on my credit file has no charging order,

i said i moved in 2002

no contact since at this address

i don't know anything about it

hope im not going on,

I will send u ok the email i received from the new company,

I think thats now about 6 companies

 

can i go to court it on there over 12 years

no contact.

 

the court told multiple address i have.

i have 1 since 2002

this is the company who are supposed to own it

i sent an email the reply is below

Thank you for contacting Arrow Global.

 

We have not been able to locate your account using the information provided in the below correspondence.

In order for us to assist you, please provide us with the below additional details, such as:

 

• Who the Originating creditor is

• The Arrow Global reference

• Your date of birth

• Your current address

• Any previous addresses you may have

• Current balance

Kind Regards,

Arrow Global

From: me

 

Sent: 06 March 2018 18:54

To: Queries

Subject: Charging order

 

Please can you give me details of this, I know nothing about it

I have been moved to and from different companies

I have never had any details or even knew this existed until I tried to sell my flat

Maybe I need to go to court to sort this out as it’s been 12 years and I know nothing of

 

This

--

 

thanks jghn

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so at last we are getting somewhere

you have a CO from arrow global from 2002 on your flat

this was the result of them getting a CCJ at your old address and you not knowing anything about it

because you didn't inform black horse you had moved.

then AG miraculously found you new address and got a CO to secure the CCJ. funny that!!

 

its called a backdoor CCJ

neither will show on you credit file no after 6yrs

the CO will be on your deeds as you've found.

 

is there one or two CO's

what this about your wife having one?

 

is the flat jointly owned?

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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was the black horse loan was a joint account?

is the flat is jointly owned?

 

YES OR NO ONLY 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... 

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just answer post 19 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... 

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Share on other sites

can you please answer the two questions YES OR NO ONLY

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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right so that's a no to both these questions?

was the black horse loan a joint account?

is the flat is jointly owned?

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 there

i think southend court oud out from another source who was the new one

contacted them VIA EMAIL,

THIS was strange they sent me a letter saying i owe 2 accounts

the account they sent me,

im awaiting the 2nd letter because i questioned about 2 

im awaiting letter

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