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    • 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.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
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Mortimer Clarke theatening on old Black horse CCJ


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Hi ,

Blackhorse finance gained a charging order on my property a few years ago ,

they then got a CCJ which i had money taken from my wages to pay.

 

Since July 2011 i have been unable to work and now live on benefits , no payments have been made since.

 

I received a letter from their solicitor saying that they are going to seek a warrant for sale of goods.

 

Can i do anything to stop this as i am unable at present to pay anymore than £1.00 / month and my budget sheet from the CCCS shows this.

 

Is it worth asking for the debt to be written off or the Judgement set aside because of illness?

 

Thanks

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Hi Nic

 

Is the CO and CCJ for the same debt ? Its just if they are you seem to have them in the wrong order of process.

 

 

Regards

 

Andy

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Hi , it is the same debt ,

not sure if the CCJ was gained but the charging order was and then they wanted payment towards the CO.

 

When my protected earnings level is reached no payments are made by my employer.

 

As i am now on benefits no payments have been made since July 2010 but now they are wanting the Warrant.

 

Cheers

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Ok If and when they do get a Warrant you will simply make application to suspend; this application must state reasons, for instance an offer to pay by installments, and usually requires payment of a fee. The court will inform the creditor of the application and require them to confirm whether they agree to the suspension and if not to state why and, in the case of an offer, what they would accept.

If the suspension is contested the Court will list the application for a hearing. The court will there decide whether the warrant should be suspended, and whether terms attach to the suspension. The Court is not bound by the party's suggested payment regimes.

 

 

Regards

 

Andy

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Yes, apply to suspend the warrant. And in the meantime ensure that any bailiff who calls is never allowed access to your home. They have no right of entry, except if you allow them in once and thereafter they can break in. They are, essentially, impotent and most creditors only use them as a last resort for nuisance value. No chance of getting judgment set aside as there is no dispute to the debt, and nor is there any reason for them to abandon the security of the charging order.

 

Incidentally warrants can, and in fact must, be issued for debts in excess of 5K if the judgment arises out of an agreement regulated by the Consumer Credit Act. Creditors cannot use High Court Enforcement Officers.

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  • 5 years later...

Hi ,

 

I have just been contacted by Mortimer Clarke solicitors about a CCJ that Black Horse finance had against me.

 

I believe Black Horse no longer exist and Mortimer Clarke are now wanting the payment arrangement making with them , if I do not contact them they say that they will apply for the CCJ to be transferred to them.

 

Is it worth me sending CCA request to Mortimer Clarke or has anyone any advice on dealing with this.

 

Nic

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black horse are still around but that makes no odds

 

lots of people are getting the letters on old Lloyds/TSB/Blackhorse CCJ's

[and your old thread says you've a CO on this debt too?]

 

to put it bluntly its willy waving trying to fleece you.

 

what date was the CCJ?

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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prob attained at an old address so you need to search that address

 

 

should be on your credit file that's free

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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  • 1 year later...

Hi,

I have just received a letter from MC about a Black Horse debt which I believe is from around 2003/4.

They are correct in stating that there was a CCJ obtained on this debt and that regular payments have not been met.

 

The CCJ does not show on my credit file nor on my partners which makes me believe that it is over 6 years old now(how relevant this is I don't know).

They are asking me to contact them within 14 days to tell them our current circumstances which I am reluctant to do.

I cannot remember the exact date of the CCJ but I feel it was around 2010/11.

 

Could anyone advise us on the best way forward please with this.

 

Thanks

 

Nic

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Hi Nic

 

Do not contact them.....

 

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.

 

Regards

 

Andy

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No its too late now.....they have judgment and not compelled to respond.

 

Sit tight if they wish to escalate this further you will be informed by the 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

 

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Hi Andy,

 

The CCJ was obtained by Black Horse before ME111 took over the debt.

The CCJ has expired and I guess that ME111 have purchased the debt , does this mean that ME111 can still work from the original CCJ as they are a different company and are not the owners of the CCJ that was issued.

Apologies for asking so many things.

 

Nic

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CCJ s do not expire unless paid. However as Andyorch said because of the delay in progressing the action, any Court would need a very good reason before allowing

proceedings to be even taken against you.

 

Just ignore and don't worry. I cannot remember any Court case on here that has been brought six years after the initial CCJ was issued. They are probably rarer than droppings from a rocking horse.

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Hi Andy,

 

The CCJ was obtained by Black Horse before ME111 took over the debt.

The CCJ has expired and I guess that ME111 have purchased the debt , does this mean that ME111 can still work from the original CCJ as they are a different company and are not the owners of the CCJ that was issued.

Apologies for asking so many things.

 

Nic

 

Makes no odds..they inherit as it is...nothing changes.

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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lots of threads here on people getting threat-o-grams here from this lot on CCJ that are outside 6yrs.

stuff and all they can do in reality

 

moved to legals and title amended

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...

Just received another letter asking for us to contact them to discuss our current circumstances and a payment arrangement.

They have given 14 days before they consider further enforcement action.

 

I take ir that we just ignore it again ?

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Ofcourse

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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