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    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)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; (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; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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New member - CCJ's N244 waiting for CCA's


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Hello there everyone :D - This is my first post & I'm not too familiar with participating in forum groups - however I have been reading all the great Information & help that is given on thIs site for quite some time!!

 

I'm in the process of trying to get 2 CCJ's removed - both from the same company (Shop Direct Financial Services/ kays catalogue).

 

I had no knowledge of these judgements or ever having a catalogue account - I have recently requested CCA's & SAR's for both alleged debts and I'm currently waiting for a reply!

However I did contact the company by phone regarding 1 CCJ (I know I should just sit tight, but It was bugging me!)

Spoke to a very nice lady who did some checks and verbally Indicated that they did not have a copy of the CA!

 

Anyway - my questions are:

 

1) If a court date Is given after the 12+2 days have laps- and I still haven't had a reply to the CCA at the time of hearing, will thIs help towards getting the judgement set aside??

 

2) Does anyone know where I can get N244 sample's or advise on how to complete for some help with the wording??

 

I also know that It was my brother who used my name to order some goods to the value of £200 - If I state on my N244 that someone used my name to obtain the account - what will happen to the person?? What happens at the court case?? I don't want to get my brother In trouble, but at the same time I need to clear these CCJ's to strengthen my chances of obtaining credit.

 

Thanks Very much If anyone can help - the whole process of clearing up your credit can be tiering - it nice to know your not alone!! :-)

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Guest Old_andrew2018

Can I assume you were not aware of the county court claims, when did you discover them for example did you obtain a copy of your credit file.

 

IMHO you will have a limited time to set as side,

Edited by old_andrew2007
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Hi,

I'm sorry I don't have a clue what the court will say to the fact that your brother obtained goods in your name, I suspect they may not take that into account as there may be no evidence of that happening. Especially s you don't want to get him in trouble.

I do know that an old acquaintance of mine moved into her sisters house, while living there she ordered loads of items from a cataloger in her sisters name and never paid for them at all & moved out.

When the sister started getting hassle for the goods to be paid for she thought there was a mistake, she never had the goods. Some how she found out what her sister had done. It went to magistrates court and my old acquaintance got a criminal record (what the charges were exactly I can't remember) she got a fine as well.

Needless to say I soon lost touch with her.

I just thought I would tell you this so you know how serious this could be for your brother.

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Thanks Guys ;)- Only found out about the CCJ's when I accessed my Credit file - I was completely unaware as I obtained a mortgage quite easily a couple of years ago - I also rarely buy on credit, if at all!!

 

As for my brother this is quite a tricky one - he's a good guy, just a little free with money - I am really mad, but I can't hold a grudge - he's extremely sorry for what he's done - this was a few years ago & he was only 15 at the time!

If that's what happened to your friend maybe I can't take the chance and use this as my primary defense!

 

Exactly how long do I have to return the N244???

I rang the court last week and they told me there was no time limit, as long as it was within a reasonable time & with good cause - although I believe I have read something somewhere stating there IS a time limit!

 

Is there??

 

Do you think I should send the N244 back asap - or should I wait for 30 days to lapse - this way I have given the creditor more than enough time to respond, and by this time they will have committed an offence by law ? The CCJ surely will be removed then??

 

What happens if the creditor hasn't returned my CCA request by the time of the hearing, assuming it will be after 12 days after my CCA request and the account goes into default - Shouldn't this help toward the CCJ being set aside???

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Hi,

The only thing I have read about getting a CCJ set aside is the longer its been in place the harder it is to get set aside,

CCJ set asides are not of interest to me so sorry I can't help with your questions.

If I were you I would read the threads which are specifically about setting aside a CCJ, there are quite few to look at. you'll glean loads of info then.

I wouldn't say a thing about your brother, unless you are going to prove he did. Because with out the proof it will look like you are making it up. IMHO. If you prove he did it then he will possibly get into trouble, Perhaps the company involved would prosecute him, but really I have no idea about that.

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Welcome to the site.

CCJs are extremely difficult to have set aside.

If the creditor has been given judgement,then they can go back to court after 30 days if you havnt paid or complied with the orders handed down.

CCJs are usually only set aside or removed in cases where the identity is wrong or that you can show beyond doubt that it should not have been given.

 

The N244 is available from the templates library on this site.

 

The earlier that you get it into Court the better if you want to challenge it.

I will move your thread to the debt forums-keep us informed.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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