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    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
    • Spot on!  You learn quickly. Who cares if the case gets sent to debt collectors?  They have no powers.  All the effort you will have to put in will be to open envelopes - and then spend time laughing at their daft "threats".  No stress at all!
    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you had added. Shall we raise that related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Legal Counsel on behalf of the Vehicle Keeper.  
    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
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Help wanted.Restons / CCJ


ianjen
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Thanks so much - yes if anyone is will to come along that would be great - really can't thank everyone for their support.

 

Court case will be held at Chester the home town of the MBNA!!!

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Ah...Yes-this is the Court which actually referred the CCA cases (or a selection of them ) to Manchester.

 

So we can be CERTAIN its not something they are in the dark on.

We have had a few bad results from there-there was rumours that MBNA are a big employer and of course Chester is also home to those other sinister outfits like AK.

But dont let that put you off-it has certainly not put us off.

Good preparation and a will and determination to fight are a must.

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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I will post out a shout for a Court Buddy for you.

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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Hi ianjen, northampton must have accepted your payment proposals after looking at your income / expenditure section section of the origonal court papers or come to the decision themselves after seeing same paperwork therefore has anything changed to bring on the redtermination ? . What is shown on the paperwork asking for a redetermination ( length of time etc), the answers to these questions may help you build up a defence against redetermination if you were to accept origonal judgement.

sleepingdog

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It is a Notice of Transfer of Proceedings and states the following:

 

To all parties

 

This claim has been transferred to the Chester County Chourt for that court to deal with the claimant's application for redetermination.

 

That court will send you and the other parties notice of the time, date and place of hearing.

 

It is issued by Northampton CC

 

Nothing has changed from the original paperwork sent. The CCCS ran through our expenditure and updated it and sent us a copy to send with the initial Court Application

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Hi ianjen, As I don't know the figures involved I guess that the payments that you were making to the DMP concerning the MNBA account would have meant that the length of time to fully repay would have taken 10s of years. If I am right then I am guessing that they want payment sooner by either a increase of payments or a charge on your home. If you are not fighting the origonal judgement then you need to be looking at why the payments should remain the same and also why the judgement should not be changed to forthwith.If you look into charging orders on this site it outlines what sort of objections to use , and if you look at threads on charging orders again you can get a lot of info on fighting the change of judgement to forthwith. If however you are thinking of fighting the origonal judgement then you will need to tackle this differently and therefore you need to look into either option and decide which way to proceed allowing posters to help you rather than possibly confuse you.

sleepingdog

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Hi we have just recieved the notice for our redetermination hearing 30/3/2010 @1045am

Now we need to work a defence but am still not sure which way to go

any help/advice welcome

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Hi just spent a couple of hours reading threads and come to the conclusion that what restons/mbna are really after is a charging order, if the judge turns this to a forthwith then they will get what they want.

Is there any mileage in the fact that the DNs were possibly incorrect so therefore the original ccj is invalid

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Hi ianjen, just because MBNA want the judgement changed to forthwith to allow them to go for a charging order does not mean that the judge will change it. You need to show how it affects other creditors ( are other debts higher than the MNBA largest debt) , that you have tried to deal with your debts (DMP) ,that you have been making regular payments to them that reflects your financial situation , is debt yours but house in both your names, do you have any positive equity in house etc.Even if they do get order changed to forthwith you can still fight charging order.

sleepingdog

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Hi just spent a couple of hours reading threads and come to the conclusion that what restons/mbna are really after is a charging order, if the judge turns this to a forthwith then they will get what they want.

Is there any mileage in the fact that the DNs were possibly incorrect so therefore the original ccj is invalid

 

 

You could mention about the DN's at a Redetermination hearing but you may very well irritate a Judge, who will just tell you you should have applied for a Set Aside of the CCJ and then you could bring the defective DN's into play.

 

A Redetermination hearing is just that; a look at an application to redetermine the terms of the CCJ repayment.

I see sleepingdog has provided some excellent advice on this.

 

Have you given any thought about applying for a Set Aside seeing as you were incorrectly advised by CCCS ?

 

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Hi Ianjen sorry to read of the troubles you are experiencing with this duo, have noticed another thread going through a similar situation to you at present & hope you will gather some information from it to help you.

http://www.consumeractiongroup.co.uk/forum/legal-issues/241308-redetermination-hearing-advice-pls.html

 

I hope you find it useful and wish you every success in getting this sorted soon.

CAG NEEDS FUNDS PLEASE DONATE AS MUCH OR AS LITTLE WHERE POSSIBLE

http://www.consumeractiongroup.co.uk/paypal.php?go=donate

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Hi Ianjen,

 

The link in the previous post is to my original thread.

So sorry to hear you are going through the same. We were also incorrectly advised by the CCCS and now we are fighting a CO on our home, or rather I am as it's my husband's cc debt.

Anyway, I have just started a new thread called Fighting CO MBNA/Restons so that has all the updated info.

 

In our redtermination hearing we had an awful judge who wasnt bothered that MBNA didnt turn up, wasnt interested that my husband had been paying the monthly instalments as set by northampton since Aug 2009.

:(

He then ordered Judgement Forthwith which of course we couldnt pay and now I am objection to this CO.

The default notice was also invalid.

MBNA have also faffed about for many months when we treid to find out about unfair charges etc, but none of this seemed to matter :(

They have 9 days left to respond to the SAR.

 

When we get back to court when the CO is made final this is when I need to object so this is my task now, get as much info as possible in my objection so that the final CO isnt made. I worry most about a forced sale.

It is his debt and he will pay it minus unfair charges hopefully.

Our circumstances are slowly improving and all our creditors are now getting increased payments but not MBNA/RESTONSas they didnt want to be part of our DMP in the first place and went straight for the CCJ.

Sigh.

 

I have everything crossed for you for your redetermination. I will subscribe to this to see how you go and lend an ear, I know exactly what it's like, it's been avery rough time for us and pressured learning all the legal jargon etc :(

 

Good luck, have a read of my new thread about fighting the CO. Hopefully we can support each other through this difficult time.

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Hi Northstar, thank you for your support :) Our situation is very similar, this too is my husbands debt (but we are fighting together)

 

We are waiting for the subject access request from the MBNA but have not heard a peep out of them since we requested it over a week ago, but I suppose they have a few weeks to go yet.

 

However, we also applied to Restons (and the MBNA) for the CCA - Restons sent it back with the £1 postal order and saying the following:

 

Please find enclosed a DRAFT LETTER which purports to come from you but which is unsigned

You will appreciate that we must ensure we are corresponding with the correct person and that anyone requesting information is entitled to receive it.

Please ensure that all documentation is signed failing which we will not acknowledge receipt nor provide any response.

 

I also spoke with a guy from the CCCS about CO and the retermination hearing which is actually on the 30th and not the 31st as I said!!! They informed me to defend the payments the CCCS by stating that nothing has changed since Northampton CC so why did MBNA/Restons want a redetermination if that is all we can offer - he also stated to treat the CO like a secured loan on your property and not to worry about it!! Easy to say when it is not you that could end up with a CO!:(

 

I will check out your new thread and yes lets hope we can support each other - Jen

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Hi ianjen, one of my creditors tried to get a order changed to forthwith to allow a CO but I was able to fight it off , they have since stated that their client has a policy of keep applying to get a CO . Also one of my workmates had a CCJ ordered as forthwith with the view to the creditor getting a CO yet they were also able to get a redermination allowing the debt to be paid in instalments therefore stopping the CO so be positive .The fact that Restons are being unhelpful in regard to the CCA will have no relevence on the redermination ,and even if there was no agreement again it would not influence the redermination ,you would need to apply to have the CCJ set aside. On another note the CCCS advised me in my case that the creditors were entitled to apply for a CO and that they were likely to get it, luckily for me that wasn't the case and I must admit I was concerned at the advice I was given by the CCCS.

sleepingdog

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