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    • Please see my witness statement below.  Please let me know what modifications I need to apply.  I haven't included anything related to "administrative charge while paying by credit or debit card" as I wasn't sure if I should include since sign says "it may apply"   Background  1.1 Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.    Contract  2.1 No Locus Standi, I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” From PoFA (Protection of Freedoms Act) 2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.    Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.  3.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.  3.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses these documents.    Unfair PCN  4.1         As stipulated in Exhibit 1 (Pages 7-13) sent by DCB Legal following the defendant’s CPR request the signage displayed in their evidence clearly shows £60.00 parking charge notice and will be reduced to £30 if paid within 14 days of issue. The defendant puts it to the claimant a request for strict proof when the signage changed to show £100.00 parking charge as the evidence provided by DCB Legal stipulated £60.00 parking charge was indeed the parking charge at the time defendant parked and included in Exhibit 1   4.3        The Claimant did not respect PAPLOC   4.4        It is also unfair to delay litigation for so long and claim nearly four years' interest.    No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;      No Breach of Contract  6.1      No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY.  6.2        The wording “Electric Bay Abuse” is not listed on their signs nor there is any mention on the contract of any electric charging points at all let alone who can park there or use them.    Double Recovery  7.1        As well as the original £100 parking charge and £50 allowed court/legal costs, the Claimant seeks recovery of an additional £70.  7.2        PoFA Schedule 4, paragraph 4(5) states that “the maximum sum which may be recovered from the keeper is the amount specified in the notice to keeper”. Which in this case is £100.  7.3        The Parking (Code of Practice) Act 2019 is also quite clear that the maximum amount recoverable is £100.  Government ministers and government web pages explaining the Act refer to extra charges as "a rip off".  7.4        Unless the Claimant can clearly demonstrate how these alleged additional costs have been incurred this would appear to be an attempt at double recovery.  7.5        Previous parking charge cases have found that the parking charge itself is at a level to include the costs of recovery i.e. Parking Eye Ltd vs Beavis (2015) UKSC 67 which is the authority for recovery of the parking charge itself and no more, since the sum £85 was held to already incorporate the costs of an automated private parking business model and the Supreme Court Judges held that a parking firm not in possession cannot plead any part of their case in damages. It is indisputable that an alleged “parking charge” penalty is a sum which the Supreme Court found is already inflated to more than comfortably cover all costs. The case provides a finding of fact by way of precedent, that the £85 (or up to a Trade Body ceiling of £100 depending on the parking firm) covers the costs of all the letters. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court V Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (...) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6        In Claim numbers F0DP806M and F0DP201T, Britannia vs Crosby the courts went further in a landmark judgement in November 2019 which followed several parking charge claims being struck out in the area overseen by His Honour Judge Iain Hamilton-Douglas Hughes GC, the Designated Civil Judge for Dorset, Hampshire, Isle of Wight & Wiltshire. District Judge Taylor echoed earlier General Judgement or Orders of District Judge Grand, stating “It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgement in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for a addi8onal sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4) of the Civil Procedure Rules 1998.  7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  7.9        The Defendant is of the view that the Claimant knew, or should have known, that to claim in excess of £100 for a parking charge on private lands is disallowed under the CPRs, the Beavis case, the PoFA AND THE CRA 2015, and that relief from sanctions should be refused.    In Conclusion  8.1        I believe the Claimant has got use to intimidation tactics and has got greedy. I believe the truth of the manor is the Claimant has used bullying tactics successfully for too long and is therefore assured that innocent drivers will fall into the trap of paying rather than going through the hours it takes to defend themselves. In the process, wasting the time of the Court, the time of the Defendant and everyone else who has advised the Defendant, out of sheer decency to help have a fair hearing and see justice delivered.  8.2        I am still in disbelief that I am being heard in this court, defending myself nearly 4 years after receiving a charge through my door. I have had to spend weeks’ worth of my life studying the letter of the law in order to defend myself from this ridiculous attempt at a swindle.  8.3        I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
    • 'I thought why don’t we give it a try?' said student Swapnil Shrivastav, after inspiration struck during water rations.View the full article
    • honestly he/she just makes these ppc look so stupid everytime   fairplay lfi
    • Women share their stories of how they feel renting has held them back in life.View the full article
    • First, the Entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract. so it only  is an offer to treat.  Second, the sign does say % hours free without mentioning that it is also the maximum time one can stay. it would be logical to presume that there would be a fee for staying longer-but not £100. Looking at the PCN-as usual it does not comply with the protection of freedoms Act 2012 Schedule 4. First it does not specify the parking period since their figure includes driving from the entrance to the parking space, then later driving from the driving space to the exit. Second it does not inform the keeper that the driver is expected to pay the charge Section 9 [2]] (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; What that means is that you as keeper are no longer liable to pay the charge-only the driver is. As anyone with a valid insurance can drive your car they will have difficulty proving who was driving especially as you haven't appealed. In addition the Courts should your case get that far, do not accept that the driver and the keeper ae the same person. So just relax and ignore all their threats even from their unregulated debt collectors and sixth rate solicitors.  Just do not ignore a Letter of Claim if you get one of those-come back to us so that you can send a snotty letter.
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Tesco Personal Finance CCJ - no claim form received **WON**


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Couldn't believe that i received a JUDGEMENT FOR CLAIMANT form today (CCJ) even though I've not received the original court claim form. (It's from Tesco Personal Finance)

 

Now I know I have to send in a form to get the judgement set aside for the reason above but am wondering:

 

Will a set aside hearing definitely take place or can the court say NO - pay up???

 

If the judgement is set aside what happens? Is the judgement suspended until I get my day in court???

 

And should I phone the court to tell them or just send in the form for the set aside???

 

Has this happened to anyone else??- if so, can you advise!!!

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You shouldn't have any problems getting a set aside as you do have a valid reason ( I assume if you had got the summons you would have defended). Just send the N244 to the court and ask that they acknowledge recept (they should do this anyway).

If the judgement is set aside what happens? Is the judgement suspended until I get my day in court???
Yes.
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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Thanks, Rory, that has reassured me.

 

Yes, I would have entered a defence - they have no vaild CCA, (only a dodgy application form), and if that fails, I can demonstrate that they actually owe me more money in charges and interest than they want from me!!

 

The reason I've not put in a claim against them first was that I figured we could call it quits! No such generosity on their part!

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I can demonstrate that they actually owe me more money in charges and interest than they want from me!!
Then you may want to have this as your first counter claim, rather than use there is no copy of the agreement.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I am no expert with this but have struggled with a lost defence on an MBNA claim, I was told that you have to prove 2 things to get a judgement set aside:

 

1. that you acted expeditiously when you found out

2. that younhave aviable defence,

 

in my inexpereinced way sounds like you are OK on both these counts just need to address it as 2 issues!

 

good luck!

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Go for it Blossom, I was successful in getting set aside for my Oh on a Cap One card for the same reason.

 

We didn't get the paperwork and the first we knew was when the Bailiff rang us (on ex directory number) asking for the money.

 

Applied for set aside and quoted non-receipt of original claim form, would have entered defence and counterclaim as unlawful charges applied to account outweighed the amount being claimed, and no enforceable agreement. (Thanks CAG).

 

Got the set aside and then the solicitors acting for Cap One (our "friends" Bryan Carter) sent notice of discontinuance. Game over.

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That is great news, Rob, cheers!

 

I've contacted Northampton Court and they said to give the N244 form in person, to a local court, as the postal strike is on. I've taken the bloke's name to show that I am acting quickly on this, (though he did worry me slightly by saying to do it sooner rather than later as the claimant can go for enforcement!)

 

So I will give the form in first thing Monday morning, with the £75 fee.

 

The only thing I'm not sure of is how detailed I need to be in my application - and whether I need to photcopy items like my CCA request and previous correspondence as evidence to support my application. And do I need to quote things like the s.127 of the CCA Act or is that too much information?

 

Any ideas???

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Well all I can tell you is what I did, which was filled in the N244, photocopied letter and statements etc highlighting the charges, did a spreadsheet from the templates library on CAG showing the charges etc.

 

I worked on the basis that if I gave them all the info I wouldn't have to take it them later and they could have a good look before the hearing.

 

Yes you will probably have to go to a hearing but it's very informal. You and the DJ in a smallish room sitting at opposite ends of a long table. The claimants may or may not turn up, in my case they didn't, they wrote to the court instead saying why they opposed the set aside. The DJ reads your stuff, reads theirs, asks questions and makes a decision based purely on the law and what info you've supplied which shows you have a valid reason for your request and that you have a reasonable chance of not having a judgement entered against you had you received the original paperwork and defended.

 

Hope this helps. And the very best of luck.

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Here is a little key advice.

 

Do your set aside application using an affidavit in support. Use something like the following

 

"

With respect to this claim, the first time I found out about it was on DATE, when I recieved a court judgement. I did not recieve any court documentation before this. I am therefore applying for this set aside within X working days of being notified of this matter. It is public knowledge that the postal service is suffering huge delays and problems due to recurrent postal strikes.

 

If I had recieved the claim form, i would have defended it on the basis of an unenforceable credit agreement and a counter claim of unlawful penalty charges.

 

On the DATE, a request was made under section 78-79, of the Consumer Credit Act 1974, to obtain a copy of a credit agreement that the alleged debt refers to. It was sent by DELIVERY METHOD to the Claimant’s Solicitors, with the statutory £1.00 fee enclosed. It was received on the DATE, which gave the Claimant twelve working days from receipt of the request, to provide said document, which is stipulated in Regulation 2 of The Consumer Credit (Prescribed Periods for Giving Information) Regulations 1983. The claimant has not provided this document. Accordingly, having failed to produce a credit agreement within the requisite timescale or at all, the Claimants are in default of said request under section 78(6)(a) or 79(6)(a) of the Consumer Credit Act 1974.

 

I deny that there has been any failure to make payment in accordance with the alleged contract. The Claimant has failed to produced a copy of a properly executed credit agreement and in the absence of such an agreement, which conforms to sections 60 and 61 of the Consumer Credit Act 1974, I avers that no agreement has ever existed for there to have been any failure to make said payment.

 

It is denied that any Default Notice in the prescribed format was ever received and the Defendant puts the Claimant to strict proof that said document in the prescribed format was delivered to the defendant.

 

In respect of that which is denied, during the period in which the Account was operating the claimant debited numerous charges to the Account in respect of purported breaches of contract on the part of the Claimant and also charged interest on the charges once applied. The defendant understands that the claimant contends that the charges were debited in accordance with the terms of the contract between itself and the Claimant.

 

I contend that:

 

a) The charges debited to the Account are punitive in nature; are not a genuine pre-estimate of cost incurred by the claimant; exceed any alleged actual loss to the claimant in respect of any breaches of contract on the part of the defendant; and are not intended to represent or related to any alleged actual loss, but instead unduly enrich the Claimant which exercises the contractual term in respect of such charges with a view to profit.

 

b) The contractual provision that permits the Claimant to levy such charges is unenforceable by virtue of the Unfair Terms in Consumer Contracts Regulations (1999) and the common law.

 

 

Accordingly I put the Claimant to strict proof that every charge and collection charge made to the account was valid and lawful. I aver that any default notice sent would have included these charges.

 

I put the claimant to strict proof that any default notice sent to me was valid. I note that to be valid, a default notice needs to be accurate in terms of both the scope and nature of breach. If the claimant sent a default notice that includes unlawful charges, this default notice is invalid under English law for the reason that it is inaccurate and so the claimant may not seek to enforce this debt.

 

Further, the claimant states that I have refused to pay sums due under agreement. In its particulars of claim, it has not explained under what terms of any agreement these sums were due and I put the claimant to strict proof that said monies are due.

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i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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You can attach copies of any documents to the claim form.

 

edit: the affidavit form is http://www.hmcourts-service.gov.uk/courtfinder/forms/n285_0499.pdf ... take it to the court, and get them to witness it (it's free) or to a soliciter (probably around £2-5)

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Thomas, as always, fab advice.

 

Heh, thanks :) you gave some good advice too:)

 

The application form Rodblynd mentioned is available http://www.hmcourts-service.gov.uk/courtfinder/forms/n244_0400.pdf

 

You want to use something like

 

1 - at a hearing

2 - 10 mins

3 - no

5 - distict judge

6 - claimant

 

fill in the side on the right (you are the defendant)

 

part a

 

I apply for the judgement to be set aside

 

because i did not recieve the claim form, and the judgement was issued in default

 

part b

the attached affidavit

 

sign it.

 

Take three copies of everything to the court.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Cheers, Tom, superb that!!!:-) :-) :-)

 

Don't know how you know all that posh jargon but i'm glad you do! I really appreciate the effort you've put in to help me - the way you've phrased things is much better than I could have achieved. In fact, I think the statement you wrote for me should be in a sticky or the library for others to use who don't get the benefit of your advice.

 

I will word my N24 and affidavit with confidence now.

 

:confused: Just time for afew more queries:

 

1 Will I definitely get a hearing to set aside the judgement?

 

2 If , (and it looks unlikely), the judge hears my evidence at the set aside hearing and says, 'No chance - pay up', is that it? CCJ!! Or . . . can I appeal on the point of law that is the Wilson case, because it is a HOL precedent?

 

3 Should I bring up any of the defendant's shocking behaviour in harassing me for this alleged debt, including saying by letter that they had deleted the 'Late payment' entries on my credit record, when they hadn't - I have written proof! (This in a previous small claim against them last year where I asked for charges and a deletion of these negative entries , on my POC), or will that just annoy/ confuse the judge? Any opinions welcome.

 

Anyway, for now - thanks to all those who have posted advice.

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Cheers, Tom, superb that!!!:-) :-) :-)

 

Don't know how you know all that posh jargon but i'm glad you do! I really appreciate the effort you've put in to help me - the way you've phrased things is much better than I could have achieved. In fact, I think the statement you wrote for me should be in a sticky or the library for others to use who don't get the benefit of your advice.

 

I will word my N24 and affidavit with confidence now.

 

:confused: Just time for afew more queries:

 

1 Will I definitely get a hearing to set aside the judgement?

 

No. It's at the discretion of the judge. That's rather like asking me if Australia will definitely win at cricket. However, the arguments rehersed in the set aside application are substantially the same as other arguments I've seen that have got a set aside.

 

2 If , (and it looks unlikely), the judge hears my evidence at the set aside hearing and says, 'No chance - pay up', is that it? CCJ!! Or . . . can I appeal on the point of law that is the Wilson case, because it is a HOL precedent?

 

That very much depends if a higher court gives you permission to appeal.

3 Should I bring up any of the defendant's shocking behaviour in harassing me for this alleged debt, including saying by letter that they had deleted the 'Late payment' entries on my credit record, when they hadn't - I have written proof! (This in a previous small claim against them last year where I asked for charges and a deletion of these negative entries , on my POC), or will that just annoy/ confuse the judge? Any opinions welcome.

 

Don't do it in the set aside application, but you can mention it to the judge when you meet them.

 

Anyway, for now - thanks to all those who have posted advice.

..

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Update:

 

Rushed back from work to put in my application for the set aside at my local court. Got there just in time, 10 to 4, and then was told that they could not process it and I have to send it to Northampton!

 

Apparently the clerk at Northampton CC had give me incorrect advice so that was irritating to say the least. Anyway, it was not a wasted trip as I did get the court staff to witness the affadvit, as advised by Tomterm.

 

Now I will send the aplication notice, affadavit, supporting documents and a covering letter to the judge, to Northampton CC first thing in the morning.

 

I think that's all I can do at the moment.

 

By the way, Tom, the superb affadavit you wrote was slightly too long for the form, when typing it. I thought about adding an extra page but wasn't sure. In the end I cut a little part about the default notices, but I don't think it detracted from the quality of it.

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Use Special delivery, next day delivery; don't use first class post.

 

the default notice section isn't necessary, but in itself it provides a complete defence to the CCJ. Lots of people get away with only the charge and CCA arguments, though.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Got a N271 court letter yesterday - 'NOTICE OF TRANSFER OF PROCEEDING TO ANOTHER COUNTY COURT.'

 

Basically, this is good news - the case has been transferred from Northampton to Warrington County Court, which is where I got the affadavit signed. So at least I know that they received my application for the set aside.

 

Now I have to wait and see if the District judge will give me the set aside . . .

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  • 1 month later...

Result!:)

 

Just posting to say thanks to those who have helped me in fighting this CCJ. In particular, Tomterm, Rory32 and Robdblynd - cheers!!

 

 

Basically, this is what has happened in the past 6 weeks:

 

1. Using Tomterm's excellent template, I applied for a set aside.

 

2. Within 10 days the Incasso solicitors, who had applied for the CCJ on behalf of Tesco personal Finance, wrote top me with a Notice of Discontinuance! They had dropped the case!

 

3. I was relieved and amazed at this but then I got a date from the court for the Set Aside hearing.

 

4. I wrote to the court to tell them the the case had been dropped so why did they still want a hearing? This was also the reason I've not posted for a while because I was expecting confirmation from the court on the issue of removal of the CCJ but they seemed oblivious to the NoD.

 

5. A few days ago I received the good news - the court has set aside the judgement and removed the CCJ!!

 

The strangest thing is that no sooner than Incasso drop the case, then a barrage of other DCAs / collection agents have started writing to me about the very same debt - are they stupid or what? The latest one is Intrum Justitia, who have been informed that they are pursuing fresh air, there is no debt anymore, read this copy of a Notice of Discontinuance from your beloved and intellectual client . . .

 

Anyway, cheers all who posted, BAE

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BAE, I am delighted you were seuccessful, well done.

 

You will get others trying to get money out of you, it's the nature of the beast I'm afraid.

 

Now you've seen you can fight back .... go for the throat.

 

I'm pleased I was able to help, even if it was only in a small way. And if ever need any advice again, just yell and CAG will come running. :)

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Great news BAE :D Couldn't be happier for you.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi,

 

Thanks for the comments, Rob, Rory, PT.

 

Yes, Rory, there will be many, many more battles ahead but with the people on this site ready to help and support there are no worries on my part!!

 

Once you've fought back against the DCAs, CC companies, banks etc you realise their ignorance and total lack of morals. I'm at the point where I quite enjoy the antics they try on me and find their flounderings,(is that a word?) highly amusing! Like a lot of people on this site I've come to a point where I'm not at all bothered by what they throw at me. I look at the legal angle and say, "No, you can't actually do that, let me tell YOU what is going to happen . . . "

 

Anyway, thanks again and PT, I will have that scanned form asap . . .

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