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About Cosmicdancer

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  1. I only received one pcn notice in the post and this was the one prior to Xmas I’ve had no prior letters apart from the 8 I received yesterday and will the pcn numbers be the ref numbers on the letters ?
  2. Hi my address is correct but I have never came back to my car to find a parking ticket ... it’s impossible for me to have incurred all of the offences in the same day .. I would of thought I could have seen the evidence before it’s gone to court though surely ?
  3. Hi thanks for the replies , Ive only ever received 1 ticket in the post , and there is only 2 dates in question spread across all of the letters . I’m afraid I do not have access to a scanner they are all notices of enforcement . My car is probably worth £500 at the very most and that is a top end estimate. The amounts vary from £140 to £187. And as said above they all have different reference numbers . I can’t undersand how it’s 5 separate tickets on the same day and 3 separate tickets on another day yet I have never came back to my car and had a parking notice on it. I’ve only ever received 1 notice in the post and this was prior to Christmas . Will they take my car from me ?
  4. Hi all, yet again i am here with another battle , i am starting to think i am in somebodys gunsight. please forgive me if it is in the wrong section. I recieved 8 seperate letters from Equita today all with seperate notice of enforcements. There are 2 seperate dates , 5 letters with 1 date and 3 letters with another date. To cut a long story short i have never came back to my vehicle to find a parking notice on it, i did get a letter from the council prior to xmas with a PCN number on however but i stupidly decided to bin in. Each letter has a different Enforcement agent reference number on it and the reasons vary in the enforcement details. E.g DISC WITHOUT CLEARLY DISPLAY & PARKED IN A LOADING PLACE & PARKING ON RESTRICTED STREET. Which i am guessing rules out an error from an automated computer? Each letter on the back says i have until 17/05/19 to agree a payment arangement or they will be coming to seize goods. I really don't know what to do next here i was hoping for some crystal clear advice. Thanks again Cosmic Dancer
  5. Correct I have not paid anything on this , and thanks I will get right to it .
  6. Thanks : had a letter from BW legal today saying I have until 26th May to get in touch with a payment plan or reason for non payment or they will continue with the ccj... it’s far 2 quick for a response of the cpr letter though as they will have only received it today ?
  7. Hi Andy thanks for the reply , so am I right in thinking because I did a late AOS I could be getting a judgement by default?
  8. Hi I have sent CCA to PRAC & CPR to BW legal yesterday by special next day signed for delivery so they should sign for it by 1pm. Will add particulars of claim this afternoon , I did the MCOL but I did tick contest jurisdiction I hope this doesn’t make a difference … am I right in thinking I have until 15th May to file defence? And is statue Barr a possible defence ? Not sure where to go with my defence about being an irl, or could I say I am in dispute with the original creditor because it was an IRL? I am sure u will be able to help me more when I add POC and I would like to thank you once again for all your previous help words can’t describe the relief from my relative from getting her CCJ discontinued.
  9. Date of agreement is 12/03/2013 date of issue is 15th April 2019 I will add particulars of claim when I am back to a computer hopefully this evening I had every intention to do IRL but I have had a lot to do in life at the minute my relative was put in hospital due to their debts not so long ago and with your help I won a case for them. Thanks again
  10. Sorry I thought it was in there 15th April 2019 thanks
  11. Hi just to summarise this was from a payday loan on 12/04/2013 from the money shop. Bw legal have issued a claim form stating their client is PRAC Financial . Name of the Claimant ? prac finance Date of issue – 15th April 2019 Particulars of Claim What is the claim for – I had taken a payday loan from the Money shop in April 2013, i had a lot of other payday loans running and other financial commitments at the time and could not pay. What is the total value of the claim? £449.63 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No, prior letter before Christmas was a discount offer letter. Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? No Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Payday loan When did you enter into the original agreement before or after April 2007 ? After 2007 Do you recall how you entered into the agreement...On line /In branch/By post ? In branch Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Account assigned to purchaser and they have instructed Bw legal to take action Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor? I cant remember Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No but have not updated address. Why did you cease payments? Too many loans at the same time trying to borrow to pay others off, other financial commitments with bigger payday bully loan companies What was the date of your last payment? Never Was there a dispute with the original creditor that remains unresolved? Not that i know of but i am aware i could probably send them an IRL letter. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No Have done aos today ( 08/05/19) not sure if too late , have got the draft CPR & CCA requests ready to print in library to send off tomorrow. thanks
  12. i have had confirmation in the post , i have had another CCJ in the post personally for me and i will make a seperate thread. thanks for your support.
  13. update: Notification that the claim against you was discontinued was received on 15/04/2019 at 19:09:59 does this mean this is over for now? thanks so much for your help.
  14. XXXXX since receiving the claim letter the defendant has been detained under the Mental health act and is currently in hospital. He is not competent enough to deal with this claim at this moment in time. We were not aware of this claim as he has been in hospital for over 2 weeks. He is currently seeking help for his finances and we ask the court to give us some more time so we can contact the claimant and receive all of the relevant information regarding this case. I am his XXX, trying to do the best i can for him. Kind Regards XXXXXX XXXXXX sorry my emotions are everywhere and i hit the panic button. sending documents tomorrow when i can get to a library printer.
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