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    • next time dont upload 19 single page pdfs use the sites listed on upload to merge them into one multipage pdf.. we aint got all day to download load single page files 2024-01-15 DBCLegal SAR.pdf
    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
    • Hi,   I am not sure if I posted this already here but I don't think I did. I attach a judgement that raises very interesting points IMO. Essentially EVRi did their usual non attendance that we normally see, however the judge (for the first time I've seen in these threads) dismissed the notice and awarded me judgement by default because their notice misses the "confirmation of compliance" paragraph. in and out in 3 minutes (aside from the chat at the end with the judge about his problems with evri) Redacted - evri CPR loss.pdf
    • Just to update this. I did apply to strikeout and they did not attend the hearing. I won by defualt and the hearing lasted 5 minutes (court only allocated 15). The judge simply explained that the only matter he was really considering is if the Defendant could have any oral evidence to defend the claim. However he said he had decided that based on their defence, and their misunderstanding of law, and their non attendence he did not think they had any reasonsable chance so he awarded me SJ + Costs on the claim form + the strikeout fee. Luckily when I sent the defendant the order I woke up the next day to a wire trasnfer for the full sum of the judgement
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Arrow/evershers CCJ+CO over old MBNA debt


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CCA request acknowledged by Arrow on the 24th of March. Received nothing yet.

 

Emailed Eversheds re. whether CCA agreement has been presented to the court and received these responses:

 

"As a valid Judgment was in place at the time the Charging Order application was made, it was not necessary to present a copy of the original agreement."

So I then asked if it was presented to the court when judgment was applied for and received this response:

 

"As the Particulars of Claim, included in the Claim Form, set out the details of the agreement, it is not necessary to provide a copy of the agreement when issuing the Claim or requesting Judgment. However, had you seen fit to file a defence, a copy of the agreement may have been produced at this time, if necessary."

 

Anyone got any feedback on this, are they avoiding the question?

I want this setaside but not sure if I can do anything until I know if there is a valid CCA available.

A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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Any comments/advice please?

A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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Hello there.

 

I'm not sure how far requesting your agreement will get you as it seems that judgment was entered ages ago so I can't imagine any judge allowing a set aside after all this time.

 

I note that a charging order has been granted against the property, is there an instalment order granted by the court? If not then I guess the best thing that you can do is apply to vary the judgment and have conditions attached to the charging order such as no order for sale providing you keep up with a monthly instalment?

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Oh, that's not good news.

I didn't know my rights and/or realise at the time I could fight a judgement order

I just asked for instalments to be taken into consideration.

 

The judge ordered me to pay the outstanding sum forthwith.

I have tried to negotiate with the creditors through their solicitors to come to some agreement but it's just not happening.

 

As in my earlier post I was under the impression, due to the email from Eversheds, that a charging order had to be in place before an instalment agreement could be set up!

 

This is a mess and I must be able to do something as I think the solicitors have

 

Any advice would be appreciated, surely I can do something?

A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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If it was me i'd send a SAR request to the original creditor, if they go for a charging order you can try to get a set aside in but if you admitted the debt in the first place when the CCJ was issued as Sequenci says above you might have a battle.....have you ever claimed back any of the excessive charges at all ?

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Removal of CCJ's - Step by step guide to the process

 

The OFT are currently investigating charging orders for unsecured credit.....however if you haven't missed a payment so far, then you are keeping to the order....they should not be applying more pressure for a charge...!! I would also report them to the OFT....

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Thanks for the feedback. They already have a charging order.

 

I really feel like i've been taken for a ride and also been very naive and just accepted everything.

As previously mentioned I just didn't know my rights and accepted everything that was thrown at me.

 

I have sent an email over to the OFT regarding this but just as info more than an actual complaint.

 

Apart from sending a CCA request and a N245 I haven't done anything else.

 

Should my next step be a complaint to my local county court or do a SAR request to MBNA?

A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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Thanks will do, then what's the next step?

A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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Received a letter for a court hearing on the 1st of June. Bit concerned as the letter says I accepted the debt previously, which I would have done as I had a letter from Eversheds so I assumed it must be my debt and this was before I knew about this site and flawed CCA agreements.

Now I need to get a good defence as I would like to get the charge order removed. I'm going to SAR MBNA today but how will that help me with my court defence?

A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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Won't the court throw that back at me and say I have admitted the debt is mine?

A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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You cant admit to something that doesnt exist can you?

 

 

Regards

 

David

 

It is not as easy as that, especially when court is concerned. my concern here is that the situation with regards to the judgment debt is quite far along. a set aside MAY be granted if there is a real prospect of success or if the court is satisfied that there is some other good reason why it should be set aside. One thing to consider is that a set aside application needs to be made 'promptly'.

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Thanks sequenci, what reasons can I give for a set aside?

 

I have the following reasons for why a charging order should not be in place and be removed or set aside:

  1. The debt is in my sole name, and it is not fair for the whole family to lose their home because of a debt belonging to me.
  2. The welfare of my young children should especially be taken into account. They need stability at school. The effect on my children of moving house should be considered.
  3. My home is currently worth less than my mortgage so the creditor would not be paid off, even if they forced my home to be sold.
  4. I already have payment arrangements in place with other creditors. Other debts are larger than this debt and other creditors have frozen their interest.
  5. I believe my other creditors have been "unduly prejudiced". The courts decision in making a charging order has disadvantaged my other creditors.
  6. I will ask the court to look at whether the interests of the creditors should outweigh the interests of my family. Under The Trusts of Land & Appointment of Trustees Act 1996 the court has discretion to say the family's interests outweigh the creditor's interests.
  7. I have had no proof from the creditors that this debt is mine and has a true signed credit agreement been produced in court?
  8. I am looking to report the DCA and their solicitors to the OFT as they have have a clear legal obligation to deal fairly and proportionately with consumers. This is more important than ever given the current economic climate, when people may already be suffering as a consequence of debt problems. The OFT will continue to use their licensing powers to take firm action to protect consumers where debt collectors engage in oppressive behaviour or practices that fail to comply with their guidance.
  9. The solicitors have continually asked for bank statements, payslips and an income and expenditure form completed and they have no right to demand this especially as I have advised the court of my income and expenditures in the way of a N245.

Any other advice from you guys will be appreciated. I have applied for a true signed copy of the CCA and have now SAR'd the original creditor today.

 

Please help, thanks in advance.

Edited by reggie76

A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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Quite a few years ago i was in a similar position with a bank who threatened to take my home if i didn't pay the full amount. I said i didnt think a Judge would look very kindly on you doing that with me having two young children and a disabled wife, plus the fact we had a joint mortgage and that it was my debt and not my wifes. I offered them 50% and said thats all i can afford, if they didnt like it then take me to court. I eventually received a letter from them accepting my proposal.

I cant see any court making a family with young children homeless over an unsecured debt.

If I have been helpful please tickle my scales or better still contribute to CAG.

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If my request for a CCA is not received within the 12 working days from when it has been acknowledged can I send an account in dispute letter bearing in mind I have a CCJ and a charging order in place for this debt?

 

In court June 1st so need all the help and evidence I can get.

A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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If my request for a CCA is not received within the 12 working days from when it has been acknowledged can I send an account in dispute letter bearing in mind I have a CCJ and a charging order in place for this debt?

 

In court June 1st so need all the help and evidence I can get.

 

Bumping!

A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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Thanks Chris, appreciate the advice but am I able to send them the account in dispute letter if I do not receive the CCA I requested if I have a CCJ & Charging order in place?

A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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Bumping again.

Could this be changed to reggie v Eversheds/Arrow Global

 

Anybody about to help?

A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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Can a DCA apply for a Warrant Of Execution through the County Court for a debt of more than £5k which was for a credit card debt regulated by the Consumer Credit Act 1974?

A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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