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    • The postcode is an important point. You cannot be in two postcodes at the same time and the contract only covers the F area and not the E area where Met placed your car. See there is some   advantages in with idiots.🙂 The other fact about the electric spaces is that as you are not allowed to park there, the sign is prohibitory so cannot  offer a contract anyway. and another biggie in your favour is you were not the driver and the PCN does not comply with PoFA. I had another look yesterday at the PCN and there is another error since it does not say that the driver is responsible to pay the charge during the first 28 days. Schedule 4 Section 9 [2][b] (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; so that is another nail in their coffin and it s something I would include in  your WS since that is one that every Judge would accept as a failure to comply. As far as their WS is concerned some of them leave it to the last minute to prevent Defendants being able to counteract their claims. However if they leave it too late [ie after the stipulated time] you can email yours to the Court on the last day and complain at the bottom of your WS that you have not received it and therefore you are asking the Court not to accept their WS. In your case it isn't that important since you have a virtual walkover in Court. I would be surprised if they don't concede beforehand. It is a lost cause for them. Not that I would advocate parking in their electric bay in future with a petrol driven car again.🙂
    • I think the post code 0 v O is nonsense personally and would just annoy the judge.  Cases are decided informally at small claims and judges are not interested in the weakest of trivialities. Understood re FY v EY.  So add to the Unfair PCN section that the PCN includes the wrong post code and places you at a residential area rather than the car park in question. You should wait till 7 June before filing your WS - as a Litigant-in-Person you wont't be penalised for being a day late - to see if MET's WS turns up.  It will also give you a chance to see if they have paid the hearing fee.  If it doesn't turn up you can attack them for defying court directions.  If it does turn up you can ridicule their arguments.  Win win. Also you can see if they have bottled it - which they have done with the last two cases we have here. I think the exact points of your WS have become a tad confusing - and I have heartily contributed to the confusion! - so can you please add the latest version. I think the post code 0 v O is nonsense personally and would just annoy the judge.  Cases are decided informally at small claims and judges are not interested in the weakest of trivialities. Understood re FY v EY.  So add to the Unfair PCN section that the PCN includes the wrong post code and places you at a residential area rather than the car park in question. You should wait till 7 June before filing your WS - as a Litigant-in-Person you wont't be penalised for being a day late - to see if MET's WS turns up.  It will also give you a chance to see if they have paid the hearing fee.  If it doesn't turn up you can attack them for defying court directions.  If it does turn up you can ridicule their arguments.  Win win. Also you can see if they have bottled it - which they have done with the last two cases we have here. I think the exact points of your WS have become a tad confusing - and I have heartily contributed to the confusion! - so can you please add the latest version. I think the post code 0 v O is nonsense personally and would just annoy the judge.  Cases are decided informally at small claims and judges are not interested in the weakest of trivialities. Understood re FY v EY.  So add to the Unfair PCN section that the PCN includes the wrong post code and places you at a residential area rather than the car park in question. You should wait till 7 June before filing your WS - as a Litigant-in-Person you wont't be penalised for being a day late - to see if MET's WS turns up.  It will also give you a chance to see if they have paid the hearing fee.  If it doesn't turn up you can attack them for defying court directions.  If it does turn up you can ridicule their arguments.  Win win. Also you can see if they have bottled it - which they have done with the last two cases we have here. I think the exact points of your WS have become a tad confusing - and I have heartily contributed to the confusion! - so can you please add the latest version.
    • Thank you Dave for jumping in yesterday and advising not to send off the letter I wrote. I am sorry Clou but I thought at the time that both car parks were owned by Alliance. Before doing a snotty letter does anyone in your family able to alos drive your car apart from yourself and are you the keeper?
    • Thanks for this. UPS never said they delivered to the wrong address. Tracking just showed as delivered. EBay couldn’t find it for weeks and then said they found it and it had chocolate in it. Something clearly doesn’t add up here.
    • Try to think things through logically & legally - the two go together as the civil court system in England is pretty decent and easy to get your head round. 1.  Say you & I got into legal dispute.  Who could sue who?  Well I could sue you and you could sue me.  My next-door neighbour couldn't sue you and your best mate couldn't sue me because the case would have nowt to do with them.  The same goes for a DCA.  It's not their debt.  They can do nothing. 2.  Of course a DCA can't affect your credit score.  If they could, then there would be nothing stopping you picking on someone you dislike, saying they owed you a billion pounds, and affecting their credit score.  Logically there must be more to it than some daft allegation.  CCJs are issued and credit scores wrecked after a judge has decided on the matter and the losing party has still refused to pay.  With nine grand in play the matter will not magically go away but you need to gen up and seperate daft threats from paper tigers from concrete threats which could really cause you trouble. The others are right - you need to inform the original creditor of your address in order to avoid a backdoor CCJ. Also, why did you decide not to sue UPS who have admitted to delivering to the wrong address which in turn led to the theft of your goods?
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First plus loan for everest windows and a charging order - can i now Cca?


exasperated
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Hi 42,

Thanks for those kind words, I have started a new thread:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/230353-fp-settlement-figure-read.html

I have two problems with the solicitor

1) The timescales involved

2) Don't really know anyone with the required experience who could help.

 

Absolutely anything you can suggest would be greatly appreciated 42

Exasp

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Hi 42,

I will spend as much time as it takes, however long, to subtract anything I can within the law from these vultures.

I appreciate yours and anyone else's comments to help me do that.

Sincere thanks for your reply which brought some hope to this devastating reply

Exasp

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Try to keep your chin up Exasp, I know it isn't easy - these companies are absolutely disgusting and shouldn't be allowed to get away with this. But, as 42 man says, see what happens with the house sale and either way, you might still get the better of them yet!

 

Haven't read your whole thread you have linked, but will have a read of it tomorrow anyway.

 

Best wishes - try not to let them get you down.

Magda

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well i think its time for action rather than talking or writing here.

 

does the judgement on the CCJ say anything about interrest?

 

if it don't them you have them on that too & can reclaim it along with all the unlawful charges you must have.

 

if the ccj says nothing about interst then they can only take what is outstanding [not paid yet] from the CCJ [judgement figure]

 

i think thats correct.

 

not really my game

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Post,

The full story in brief is that we ordered windows for a house I shared with my wife, we then separated and I moved to another house which I purchased solely and bought further windows. Things changed due to certain matters and we ended up with four agreements for the two loans. That is where the replacement comes in.

This was discussed in a much longer thread which I will supply if you want but I confused myself because I was not aware they had four agreements as it only came to light under further investigation.

Thanks for your interest

Exasp

Here is the replacement agreement with the figures in...

 

 

 

 

 

 

FPCCAAG2NEW.jpg

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Hi DX,

Take on board you point that it is time for action, but the reason I post on here is that I am embarrassed to admit that I am uneducated in Consumer law. Therefore I have to post for advice on what to do as getting even with these vultures has taken priority.

Thanks for yor comments

Exasp

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Hi Magda,

The agreements are in order with the invoices supplied from Everest. The DN is defective but my problem is that if my house sale goes through the reasons for us to sell are scuppered because these vultures will take a large lump.

It looks like it will have to be that way as I won't have time for a set aside as we are expecting (subject to survey) to exchange this month.

As 42 said I am going to 'hammer' them after.

Thanks for your comments Magda

Exasp

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I really think you should get it set aside....and challenge, especially so in the light of the GMAC case...

 

Hi 42,

I have read all the info you sent and I cannot believe the number of people who have been put in the same situation as me by these companies.

As the old saying goes 'at least Dick Turpin wore a mask'

I would like to investigate further the unfair charges route and subsequent restitutionary damages if any but I must say I really don't know anything about reclaiming them or how it works.

 

I have some questions for you if you don't mind

  • What is the Gmac case
  • What is an unfair relationship test

Here is a copy of the CCJ, you will note that it is a fixed sum so from the information you supplied they won't be getting any more than that Judgement.

 

CCJ.jpg

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Hi Shadow,

Thats how they got the charging order I think that followed but in esscence yes that is correct

Thanks for enquiry

Exasp

 

Yes of course it is... sorry had my Wurzel thick head on there.

 

The judgment clearly has no interest mentioned as its a forthwith order and thus wouldnt attract interest, did you have anything regarding the charging order? Was this through the courts or did you agree a voluntary charge?

 

S.

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Hi Shadow,

No I fought it personally but had only been a member of CAG for a few days so went to the hearing under my own steam. I have quoted this before but the first thing out of the judges mouth was 'do you owe this money' to which I replied yes but, no buts he said and granted them the order.

At that time they had supplied me with no paperwork and although that has surfaced since the fact was at that time they should not have allowed it.

It still rings in my ear every day that judges comments:-x

Thanks

Exasp

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Hi Shadow,

No I fought it personally but had only been a member of CAG for a few days so went to the hearing under my own steam. I have quoted this before but the first thing out of the judges mouth was 'do you owe this money' to which I replied yes but, no buts he said and granted them the order.

At that time they had supplied me with no paperwork and although that has surfaced since the fact was at that time they should not have allowed it.

It still rings in my ear every day that judges comments:-x

Thanks

Exasp

 

Ok, do you have the judgment from that charging order hearing as you've posted the original judgment in default from the original trial, just want to see if interest is mentioned on the charger order judgment.

 

S.

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Hi All,

Just spoke to the 'boss' and after a severe bout of tears it appears we are in a proper dilemma as it maybe that the house sale may have to be put on hold. This leaves us in the unbearable position we are in without any escape.

Therefore my question is does anyone know a way of negiotiating a better F&F from these people bearing in mind the timescales involved? thus enabling the sale to go ahead

Whatever is reduced from this F&F via a suggestion from this site, a good portion will be given back to this site to enable others to benefit and hopefully not suffer as we have done (subject to the house sale)

Any posts are sincerely appreciated as usual

Exasp

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Hi Exasp, hopefully you will get some other comments as well, but to be honest, if you aren't going ahead with the house sale, you are probably better going for the set aside, depending on how strong a case you have. I can't see why they would agree to a full and final as they have a charge on your property and therefore stand to get back the full amount they want, if not challenged. Don't mean to be doom and gloom, just these companies are not out to do anyone any favours. I think they are usually keener to go for full and final when they know they have an unenforceable agreement and hope to recover something back rather than get nothing at all.

 

Sorry can't be any more help, I know it must be really difficult at the moment trying to decide what to do next.

 

Magda

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