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    • For PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident)   please answer the following questions.   1 Date of the infringement 17th, 18th and 22nd September     2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 24th, 24th and 28th September 2020   [scan up BOTHSIDES as ONE PDF- follow the upload guide]   3 Date received 26th September (for the ones dated as the 24th) 30th September OR 1st October, i'm unsure as I was not present at home from the evening of the 29th until the evening of 1st October (for the one on the 28th)   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Yes, on all of them   5 Is there any photographic evidence of the event? They have captured two photos of the event for each date clearly showing my registration. The surroundings however are not present as the photos have been taken at very late hours.   6 Have you appealed? [Y/N?] post up your appeal] No   Have you had a response? [Y/N?] post it up ^^^ N/A ^^^   7 Who is the parking company? Minster Baywatch   8. Where exactly [carpark name and town] Cotswold, Lakeside Car Park, GL7 5LU   For either option, does it say which appeals body they operate under. There is a BPA logo present at the bottom of each letter
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
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      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
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      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Voluntary Charge


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Hello All,

 

I was reading through the debt forums and discovered the letter templates, one in particular concerning the above.

 

I am in an IVA with Blair Endersby. I have recently received, by post, a letter from the local county court stating that one of my creditors, (Tesco's), has attached a charge to my house with out telling me or discussing it with me.

 

Can they do this?

 

Regards

Geoff.

In the end, what we regret most, are the chances we never Took

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I expect what has happened is that Tesco has applied to the county court for an interim charging order on your house, which they don't have to tell you about. However, they cannot get a full charging order without informing you of a hearing that you obviously have a right to attend so that you can challenge it. Tesco will be doing this as they probably feel that it is their best chance of securing full payment of the debt at some future point. It is fair to say that charging orders are notoriously difficult to stop, which is probably why Tesco want to go ahead.

 

I don't know what effect having an IVA will have on your chances of successfully stopping a full charging order, especially if your debt with Tesco is included in an IVA. Perhaps a judge would take a dim view of Tesco trying to find a way around your IVA, and maybe this is why Nick Pearson has suggested you contact Blair Endersby. They may be able to give you some advice about preventing Tesco getting a full charging order.

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Maybe I did not explain my self properly, Tesco had laid the charge against my house, it is in force.

 

They did not tell me anything, no hearing date and other such things. So it would appear that I am stuffed, could loose a lot, even my house. Not at all happy about Tesco's tactics.

 

 

In the end, what we regret most, are the chances we never Took

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Did Tesco not send you court papes before getting the Charging Order?

 

As far as I'm aware, they have to have got judgement against you before they can apply for a charging order

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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If you didn't receive court papers or you sent them to Blair Endersby and they didn't act on your behalf, I think you could apply to have the judgement set aside

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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If a full charging order has been applied you will have received a ton of paperwork from the Land Registry as well, also giving you the chance to file an objection. If you haven't received this then I can't see how a full charging order has been applied without your knowledge. You could always contact the Land Registry to see if they have received any notification.

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