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    • Thank you, @honeybee13 and @dx100uk, your help is much appreciated. Could you kindly confirm, @honeybee13, which of the information requested from the sticky thread I should provide given I am at witness statement stage? Sorry for any confusion, I am slightly overwhelmed. — Per @dx100ukI will also provide the defence I  filed and the court directions. — I have not received UKPC WS yet. Should I expect that through the post?  
    • it is not a fine, thread title updated and fine changed to charge in 1st post. also can you post up the defence you filed and the court directions have you received ukpc WS yet? if so scan all that up to. read upload carefully one mass pdf only. dx
    • Hello, welcome to CAG. Could you let us have the information we ask for in the forum sticky please? We need the information to start working on your case. Once we have that, I'll get you to answer a different set of questions. Best, HB
    • Hi there,  Long story short, I was working a year ago in a city centre and the site operator I was working with told me I could park in a private car park as they had an arrangement with the owner. I came back to a parking charge  from UK Parking Control, and the site operator subsequently couldn't get hold of the private car park owner and haven't been able to since. Fast forward to today, I have received multiple legal threats from DCB Legal acting for UK Parking Control I have now been issued with a court hearing along with a date. I have to file my witness statement for a court hearing later this summer.  I realise that I could have handled the situation better and am already aware of that. I was wondering what my options are at this stage? I am very keen to avoid a CCJ as it would obviously be disastrous for my credit score. Any advice appreciated. My current plan is to file a witness statement and hope the case is discontinued. Thank you for any advice in advance.
    • I run a small retail business selling cards & gifts ( all my sales are done on a face - face basis  ) & noticed one of the settlement amounts on the card terminal bank deposits was short so contacted the card company which said a customer has requested a chargeback on a sale the reason saying the goods bought was not fit for the purpose purchased for. I have old fashion till which does not show any sales or descriptions of what is bought, plus when the settlement statements match up i shred the sale receipts. The card company told me the transaction was paid for with the customers phone & shows on my portal. They have asked me for sales prof, cctv, terminal receipt of the transaction which I have none, as this was done a few weeks later. I have asked for pictures to prove the items are not fit for the purpose purchased for plus said if the customer can return them i would give them a full refund but have had nothing back plus no pictures. Also I have had no communication with the customer even asking me for a full refund. They have now closed the case & awarded the customer the full refund. Any advice would much be appreciated   
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi Folks,

 

I went bankcrupt nov 01. House was repossed.

 

Me and ex had a secured loan on the house at that time.

 

My ex mother in law received a letter at her address for my ex (hasn't lived there for over 10 years) from (i think) macdonald rankin and partners chasing the loan.

 

She has returned the letter NOTA.

 

Does this 'secured loan' become and unsecured loan when the house was repossed?

 

 

Idax

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Hi Tiglet,

 

Yeah this debt went thru my trustee and i was discharged a couple of year ago. It was only me as me and my ex had seperated prior to me going bankrupt.

 

The letter is in my ex-husbands name so they are persuing him for the money. I am trying to find out for him on what the situation is with this.

 

There were more creditors and 2 chased him for payment, council tax which he has paid off and a bank loan from bos, but at the time he had no income and the bos wiped the debt ( amazing i know and he still banks with them too).

 

This loan was a secured loan in joint names. The last payment made to them was in 2001. I went bankrupt and this is the first my ex has had any contact from albeit he does not live at the address so his mum returned to sender as i thought it would give him some time to find out what to do if they do come across his correct address.

 

 

Idax

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If the OR dealt with your part of the debt, harsh as it may sound, it is your ex's problem.

 

I would suggest he speaks to the CIB or a debt counselling charity about his part of the debt.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Thanks Tiglet,

 

I know and as we are still good friends i said i would ask on her for him,

 

 

idax

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Someone may come along with a bit more knowledge than me - all I can suggest really is that he calls a debt counselling service or the CAB.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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I would suggest he contacts either National Debtline

FREEPHONE: 0808 808 4000

Monday to Friday 9am to 9pm

Saturday 9.30am to 1pm

 

or Scottish Debtline (who are part of CCCS) 0800 138 3328.

 

As it was a secured loan they will have 20 years to pursue it. Who applied for the initial writ and the section 24 notice? Was it the mortgage company?

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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  • 2 weeks later...

Hi rory and thanks.

 

As it was a secured loan they will have 20 years to pursue it. Who applied for the initial writ and the section 24 notice? Was it the mortgage company?

If you mean the bankruptcy I did a self sequestraiton.

 

My ex had left 6 months prior to that

 

 

idax

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Okay that clears that up. The problem with joint loans is that they can pursue either party as you are both jointly liable. Although the loan is no longer secured on anything it still legally has the status of a secured loan as far as The Prescription and Limitations Act is concerned, so it's 20 years for the capital of the loan and 5 years for any interest on the loan.

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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thank you very much rory,

 

I asked this way back last year and got a few different answers but after a little reasearch that is what I got but wanted to make sure.

 

I'll let him know.

 

Idax

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