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    • Hi all,        I really need to start my own thread on this Claim with Overdales/Lowell for a Cap One debt. but have already got to this stage .. My initial question for the moment - until replies come in - is that I figure my main stance is that a purchased debt cannot be claimed, debts can only be claimed by the original issuer of the debt .. but mediation is about coming to an agreement. So would I be acting in bad faith if I enter into mediation yet not seeking to come to a financial agreement? Also, I need to reject the scheduled time slot and ask for another as I'm not going to be free during those hours. The wording of the email gives the impression that I am given this one slot and if I reject it, then I am rejecting mediation - there is no mention of rescheduling, only of freeing up the slot for others .. although, I would have thought it would say so, if there were no possibility to reschedule.. Can I ask for another date without issue?   Anyway, if it's more helpful, I am happy to post up my defence and start a proper thread? I had a lot on at the time and had to do things right away due to the time limits, so didn't feel I had time to come here and go back and forth for info, so put my defence together from reading through relevant threads, late at night. CCA request appears to have been fulfilled (I'm still to check the accuracy of the documents). The other thing, asking solicitors about the particulars of the claim, hasn't .. although I forgot to ask for proof of postage and didn't send recorded post either (whereas the CCA I did), so not sure if I can pursue that easily ..?  
    • Looking for a bit of assistance. I moved into a rented flat on 20th April 2024. I viewed it on the 14th April. Before I moved into the flat, the letting agency provided me with an offer sheet, in said offer sheet I made a number of requests and conditions related to me progressing with assuming the tenancy. These were: 1. A professional clean of the flat prior to move in date. 2. The hob, shower glass and bathroom cabinet be replaced prior to move in date. These were all planned actions by the landlord when I viewed it. I could see the boxes for the hob and other items in the flat. I prepared to move in on the 20th April but none of the work mentioned in the offer sheet had been completed. The standard of the clean was abysmal - mouldy food left in the fridge, nothing wiped down, bathroom mouldy etc. The hob, shower glass and bathroom cabinet were also not installed. I decided to not officially move into the flat as it was not in a condition as promised, my partner lives relatively close by so I lived with her initially. It was only on the 24th April that the hob, shower glass and bathroom cabinet were installed. The cleaners visited again 2 weeks after move in date (3rd April) and attempted another clean of the flat. Again, it was a poor job. I resorted to cleaning the flat myself. I have numerous pictures of the things I identified during my clean and have sent this all to the letting agency. Because of the issues faced, I asked the letting agency that the rent be reduced for the initial month. Exactly halved - to represent the 2 weeks that I was not living at the property. The landlord and letting agency have responded by saying that they will be willing to accept 1 weeks rent as a deduction but not 2. My question is, am I in a strong position to insist on the 2 weeks rent returned or have I been fortunate that they have even offered a weeks rent as a deduction? I would like to insist on the 2 weeks. I have paid the 2 weeks only as my rent collection date passed 2 days ago. Thank you for any assistance. Any further relevant details required let me know and I will provide.
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PCN - CCS Bailiff attending, need urgent advice!


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I went to watch Everton play in London about 19 months ago and knowingly parked on double yellows as there was nowhere to park. There were 4 of us in the car so we decided to park there and split the fine.

 

Anyway, I sent them 2 cheques, neither of which were cashed so I cancelled them both and called to pay £120 by card. I thought the matter was settled until about 6 weeks ago I received a CCS Letter stating I hadnt paid a fine and should contact them immediately. I did, and was adviced that the cost was about £440 due to none payment and legal costs, bailiffs costs etc. I was advised to contact the London Borough of Newham, which I did.

 

I contacted my bank, received a printout of my statements and sure enough there it was, 19th July 2007 Payment London Borough of Newham £120.00

 

I contacted them to inform them and the snotty woman told me that this didnt prove I had paid this specific ticket. I asked her to use the little common sense she had to realise I live in Liverpool and had no other reason whatsoever to pay Newham £120.00.

 

I rang back and spoke to a guy named Michael who told me to fax through the proof along with a letter of complaint. I did. I rang back to confirm but they said they had not received the fax (even though I have transmission reports proving it was received). I resent the fax and received a phone call saying "do you have the card number you paid with please?" I informed them the card had been lost and I had now changed banks. "OK, we will go with what we have got and will be in touch shortly."

 

Today, I received a CCS letter informing me that a bailiff will be attending my property on Thursday to remove goods. Now:

 

1) Isnt it illegal and borderline harrassment to take such action whilst I am disputing a debt?

2) Isnt it considered tresspass for a bailiff to walk onto my property without me contacting them to invite them?

3) I live with my parents, therefore everything in the house belongs to them.

 

Please advise ASAP!!!!!!

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

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Yes, but I told them I had paid. I then heard nothing...until the other week.

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

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Davey, they cannot trespass onto your property unless you let them in. DO NOT LET THEM IN. You are within your rights. You have all the doc and proof that you have paid them. They tried to pull a fast one by ignoring confirmation of payment so that they can try and extort more money out of you. Unless they have the police with them, which I highly doubt for parking fines, then you can tell them to push off. I would also suggest threatening to take them to court for harassment. Write letters telling them of such and you will see them back down. They are trying to bully you. I believe that they have templates on this site for writing official letters. Please check for these templates, especially if they keep harassing you.

Edited by benjy48
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Have called both CCS and the London Borough of Newham

 

CCS told me that Newham have lifted the 14day hold of action on the account. Newham, well the dope at Newham who couldnt understand a word of English, told me that he would pass the information on to his supervisor. I explained I wanted a call back within the hour. I gave them my mobile number and I am now about to call them back.

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

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Nice to hear the delightful woman is still 'doing her thing' on the phone for Newham! Don't tell me, defensive and evasive from the word 'hello', accused you of being aggrassive and rude when in fact she was and it ended with her hanging up on you - am I right?

 

Can you just clarify what documents you have received:-

 

1/. does the bailliff say they have a 'Warrant of Execution'?

 

2/. did you receive an 'Order for Recovery' from Northampton Traffic Enforcement Centre (effectively a County Court).

 

3/. Do you still have the original PCN and 'Notice to Owner' and 'Charge Certificate'. If not, get copies from Newham quick! and scan and post them here - they may be flawed (quite common).

 

You need to contact Northampton TEC and get appropriate forms to make a Statutory Declaration. They are helpful I hear and if you explain the timescale of events they will send you the appropriate forms.

A 'Stat Dec' should overturn the Order for Recovery and return you to the appropriate stage - PCN or Notice to Owner. You then formally appeal on the basis of 'paid'. They will not be able to come after you again because if they refuse your appeal I'm fairly sure an Adjudicator will tell them to stick it!

 

You need to get the Stat Dec form witnessed. Free way is at your local/any County Court. Do not sign until in the presence of a Court Officer. Do this before 1st October (they start charging).

 

Meanwhile, ring the bailliff and Newham and explain what you are doing and make sure they hold. Copy in writing or by provable e-mail. Try and avoid talking to that b***h, LOL!

 

Keep us updated and I'll try and help more if I am able to be around. (PS, who won?).

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Hahahah youre spot on! "No sir, you are being aggressive and you have an attitude, not me" after butting in and assuming what I am about to say and being completely wrong in the process.

 

Erm, I dont know what I have received to be fair, a Notice to Owner sounds very familiar though.

 

I havent received nothing from Northampton TEC

 

The original PCN was lashed when I paid it.

 

The letter infront of me states as follows:

 

TAKE FORMAL NOTICE

 

REMOVAL OF YOUR GOODS

In relation to a Road Traffic Fine due to London Borough of Newham 2

 

I am disappointed to note that the above debt remains outstanding. I am therefore required by order of the court to seize such of your goods as are likely, when sold at public auction, to satisfy the debt together with the further costs incurred by the removal, transport and storage of your effects.

 

I plan to call to uplift goods on Thursday the 25th September, and whilst the law allows me to remove goods in your absence, I would prefer that you were present so that we can agree the inventory of items removed.

 

If, even at this late stage, you would prefer to make the removal and sale of your goods unnecessary by dishchargind the debt, please contact me immediately on 08452 300355.

 

Yours sincerely

 

 

 

Mr Hepworth

Certificated Bailiff

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

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Thank you.

 

Just had a heated arguement with Newham. They told me that I have not provided sufficient proof that I paid the PCN as a bank statement simply says London Borough of Newham it doesnt say what it is for. She was very abrupt, she requested I let her finish, which I did, then when I was speaking she constantly butted in. I reminded her that the bailiff turning up was a breach of English Civil Law, something which she refuted. I then requested copies of the PCN, the Notice and Charge Cert which she denied (isnt this a breach of data protection?) I then told her if it had to go to court then let it as I would win. She hung up.

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

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Have just spoken to Northampton TEC who are emailing me the forms now. I think Ill go and get them signed straight away. Can you fax the forms back?

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

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i like your style mate - you actually listen!

 

Yep you can ask your local CC to fax them and then phone TEC to confirm receipt. Remember, the Courts are actually helpful and don't want injustice.

take the opportunity to ask TEC what happens next and confirm that the dogs will be called off - at least while they deal with the Stat Dec.

 

PS. You still haven't told me who won?

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We were beaten 1-0 mate, Bobby Zamora scored the best goal he will ever score.

 

Erm, just spoken to South Sefton Mags who said they will witness the form tomorrow but need copies of the fine etc. Need to ring Northampton TEC now and get them to fax them here to me. Am I going about this the right way? I have recorded 2 and a half conversations with Newham and CCS (my memory ran out half way through the last convo!)

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

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Incidentally, I'm told (and this may or may not be true) that her name is Elizabeth Mott. when you get things sorted and in motion you could do everyone a favour and make a complaint (to add to the others i hear). Typical Council incompetence of maintaining an arrogant, defensive, unhelpful and rude employee IMO.

I've had the same. Phoned and got some info on a PCN from 'Michael' but forgot one detail. Phoned straight back - got her and she said it was not possible to call up the same detail as he had just done for me - rubbish - she just doesn't know how! or thinks she achieves something by being obstructive.

Anyone reading this - you have to experience this to believe it. You will be derided from the moment the conversation starts!

 

Of course you are entitled to the original documents, PCN, NtO and Charge Certificate. If they refuse they will get shot by an Adjudicator. FOI it if you have to - and if that is necessary it will go against them too.

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"MICHAEL" hahaha yes, I have spoken to him too, who told me to fax another number, and they eventually received the docs. He also told me the way she spoke to me was out of order and to include a letter of complaint with the fax, which I did, but havent heard from.

 

I might ring back with a spooky call when I request copies of the fine. Also, the Mags is round the corner from my work. The county court is in town I think! They didnt mention anything about cost.

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

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No phone number on this but i'm sure you'll find it.

 

192.com - Liverpool County Court in LIVERPOOL

 

 

This is Liverpool Mags.

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

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also Birkenhead, St helens, Runcorn and Southport.

 

Oh 'Hammered' were we! Worth contacting the Newham Recorder with that.

They love letters from people who have an 'experience' of visiting! LOL.

Hammered by WHU and the Council in one day!

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also Birkenhead, St helens, Runcorn and Southport.

 

Oh 'Hammered' were we! Worth contacting the Newham Recorder with that.

They love letters from people who have an 'experience' of visiting! LOL.

Hammered by WHU and the Council in one day!

-

 

I know, I said this to "Michael." Im just on hold to them, I have received the Stat Dec forms via email.

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

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Well just in case the mags do ask for some daft fee I hear you can normally get a solicitor to witness it for either just a fiver or a tenner.

then all you have to do is take it in and get it faxed.

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