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    • Write to the IPC complaining that UKPC have not observed the requirements of PoFA . IPC  Waterside House, Macclesfield SK10 9NR Dear IPC, I am writing to complain about a serious breach of the Protection of Freedoms Act 2012 by UKPCM. I feel that as it is more a breach of the Act rather than not just  complying with your Code of Practice which is why I am bypassing your operator. Should you decide to insist that I first complain to your operator, I will instead pass over my complaint to the ICO and the DVLA . My story starts with being issued a windscreen PCN on 8/3/24 which was almost immediately removed and a second  PCN was then  sent by post on 13/3/24  [deemed delivered 15/3/24] which I did not receive and had to send an sar to have that particular mess revealed later  but that is not the reason for my complaint. UKPC then sent a Keeper Liability Notice dated 12/4/24 warning me that as 28 days have now elapsed, I as keeper am now liable for the charge.  This is in direct contravention of PoFA since the keeper does not become liable to pay until the day after the original PCN is deemed to have been given which would have been 13/4/24 -a Saturday ]. Not only does it not comply with PoFA but it fails to adhere to your Code of Practice and is in breach of their agreement with the DVLA. You will be aware that this is not the first time that UKPC have fallen foul of the DVLA and presumably yourselves. I have included copies of both Notices for information. You will realise the seriousness of this situation if this is standard practice from the UKPC to all motorists or just those where windscreen tickets are involved since the Law regarding PoFA is being abused and is unfair to misguide motorists. I await your  response which I understand will usually be within a week. -------------------------------------------------------------------------------------------------------------------------------------------------------I would think that should be sufficient for the IPC to cancel your PCN though  you should await comments from the Site team before sending your complaint. Don't forget to include both PCNs.  
    • Hi DX, Sorry, fell asleep as I was up all night last night writing that statement. Yes, I attached the rest of the witness statement on post 50, bottom of webpage 2. That's the important part.  It looks like the lawyer who wrote Erudio's Witness statement does not work for them any more. So, I'll have another lawyer representing instead. Not sure if I can use Andy's hearsay argument verbally if that happens.... I did not put it in writing. Apart from not sending deferral forms, my main argument is that in 2014 Erudio fixed some arrears mistake that SLC made and then in 2018 they did the same mistake, sent me confusing letters. What is the legal defence when they send you confusing material?
    • Chinese firm MineOne Partners has been ordered to sell land it owns near a US nuclear missile site.View the full article
    • That isn’t actually what the Theft Act 1968 S1 actually says, BTW. https://www.legislation.gov.uk/ukpga/1968/60/section/1 (1)A person is guilty of theft if he dishonestly appropriates property belonging to another with the intention of permanently depriving the other of it;   The difference between what you’ve said and the Act? a) intent to permanently deprive rather than  just depriving (which is why the offence of “taking without consent” was brought in for motor vehicles, as otherwise "joyriders" could say "but I intended to give it back at the end") b) dishonesty : If I honestly believed A's pen belonged to B, and took it and gave it to B - B might be found guilty of theft but I shouldn't be. 
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Virgin/MBNA passed to Optima - claim forms received - help! ***ICO dismissed****


gem77
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Well its truthful and to the point,you have done everything recommended and advised by the media when one struggles with ones debts.We hope that its accepted by a compassionate DJ

who also believes same.

On the point were you state unsecured changed to a secured you need to reference the article i referred to and Dotty posted.So mark See Exhibit (1) after this statement and attach a copy of the report.

 

The stark reality is however, if you are not making normal payments to an account be it P/loan or C/Card, at some point in time, a Court claim will be filed. These Companies as everyone knows, play rough, so why anyone would assume that they will be allowed to continue making nominal payments forever and a day, with the Bank's blessing, when and if they know you own a property (as in your case) is beyond me. More and more people are getting into difficulties with loans and credit cards, so the worse the situation gets, the more aggressive the banks and credit card Companies will become in enforcing debts.

 

Unfortunately due to recent climate and the credit crunch the latest trend of turning non secured into secured loans via a charging order on ones property,

As far as I'm concerned, if you know how to deal with these situations to achieve the best possible outcome from day one, you stand a much better chance of getting rid of or stabilizing debts to an affordable amount and moving on with your life. This has to be preferable to finding yourself living with the constant uncertainty regarding what the creditor might do next, and unable to plan for any sort of future for you and your family.

 

As I have stated before, Litigation involves mind games and serves no purpose in giving your opponents the heads up.Fighting back takes courage, but it's a lot easier than you might think. If some people have opted to write to creditors and challenge what they're doing, this shows a determination to fight. A Court claim is no different, When ever you are questioning/challenging someone else's point of view, you are making an argument, so there's nothing to stop you doing this in front of a Judge, if you have to. Securing the best outcome and stopping them from gaining Summery Judgment, which lets face it is what they are out to achieve, to get their first foot on the ladder to gaining said Charging Order. If you had not intended to defend you would have allowed the above to be much more easily attainable.

 

Good luck with your case and keep your chin up.

 

Regards

 

Andy

We could do with some help from you.

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Thanks bilious. Keep your fingers crossed for me. I am sleeping even less than ever now the day is looming. To say I am terrified is an understatement.

 

Will let you know how it goes.

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Just to say we're all behind you gem, wishing you the VERY best of luck with your DJ, and will be hoping for a positive outcome for you. Like Andy says, at least we're not taking it lying down. MBNA are the worst of the worst and should be challenged. Will be waiting for you posting.

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  • 2 weeks later...

Well had my court case today. didnt go as well as i had hoped. The judge was very nice and good with me and understood my argument but said at the end of the day he didnt think I would win the case and it would be better to get the judgement as if I didnt win the case it could cost me upto £15000 in court costs.

He said it all boiled down to a single letter that I wrote. When they accepted my payment plan I wrote to them thanking them for their understanding and pointing out their mistake of putting in the wrong amount. Apparently if I had also asked in the letter for assurance no further action would be taken I would have had a stronger case. How stupid did I feel really kicked myself for that.

I think the judge didnt really agree with people throwing the consumer credit act around just to try and get out of the paying their debts. He did make them drop their costs though so instead of nearly £2000 added it was only £500.

The solicitor also tried to throw in at the end that I had been using consumer forums and MBNA wish to place a ruling that I was unable to do this. Needless to say the judge just said good bye MR X.

 

Thankfully for me (I think) The solicitor was half an hour late as he was in another hearing and this really annoyed the judge. he seemed to be coming down quite hard on the solicitor all the way through but was thoughtful and understanding with me but perhaps that was because he noticed how petrified was as I was trembling from head to foot the whole way through. god knows how I kept it together.

 

As for the charging order he said they could apply for one but that would not mean that they would get it and advised against it. But weather they will listen to that we will just have to wait and see what drops through the door. Although I didnt think they could apply for one unless I had breached my judgement. dont know if someone can clarify this?

 

So there you have it. I am soooo glad its over and just hope I dont have to go to any more.

Thank you all for your help and kind words of encouragement. Will keep you posted if anything else transpires.

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Sorry it didnt go your way Gem, what are the terms of the judgment, installments?

Good to see the DJ advised against them attempting application for a Charging Order

and love the response to their complaint of :-The solicitor also tried to throw in at the end that I had been using consumer forums and MBNAlink3.gif wish to place a ruling that I was unable to do this. Needless to say the judge just said good bye MR X.

 

Regards

Andy

We could do with some help from you.

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Hi Andy. Terms of the judgement were just what MBNA had originally agreed with me just keep paying what I had been paying but of course the only reason they went for summery judgement was to obtain a charging order. Now they have that they can apply for a charging order. so watch this space as I doubt they will take notice of the DJ.

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Isnt there talk that for debts less than £25,000 Charging Orders should not be allowed? though this isnt yet law....

My Posts exist exclusively to assist me in preparing litigation against another party.

As such, it is almost certainly protected by litigation privilege.

 

The legal requirements for claiming litigation privilege are well established and are not in dispute.

Communication between a solicitor, or the client, or a third party will be protected by litigation privilege where the communications are for the dominent purpose of obtaining legal advice in connection with, or conducting litigation in prospect: Re: "Highgate Traders Limited (1984)"BCLC 151.

 

Copyright Information: All information contained in this website , Associated websites, and Forum posts are Copyright "Reclaim The Right Ltd". If you wish to use the information on this site for publication elsewhere then please email the administrator for permission.

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Hi Andy. Terms of the judgment were just what MBNA had originally agreed with me just keep paying what I had been paying but of course the only reason they went for summery judgment was to obtain a charging order.Only reason they issued the summons in the first place Now they have that they can apply for a charging order.No they cant as long as you never miss a payment so watch this space as I doubt they will take notice of the DJ.

 

So in effect they have achieved nothing except a drain on the Justice resources hence the DJ,s comments.

Check the details thoroughly Gem when you receive the order.

We could do with some help from you.

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So in effect they have achieved nothing except a drain on the Justice resources hence the DJ,s comments.

 

Check the details thoroughly Gem when you receive the order.

 

 

 

Thanks for clarifying that Andy thats what I thought they couldnt unless i miss a payment under the judgement. Its just the judge said that he grants them permission to apply for a charging order but that does not mean they will get one and advises it would not be benificial to them.

 

yep got no more money out of me as the judge agreed i couldnt afford anymore. except a black mark against my credit report but then with the defaults it cant get much blacker.

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A lot of changes in the CO process at the moment Gem.They can get a restriction if its only your debt on a joint owned property

but thats not the same as a full charging order by any means or form.

We could do with some help from you.

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Thats why I say check the Order carefully having dealt with a couple of threads recently on the rights and wrongs when a claimant

makes a ICO after different types of order ie Forthwith/installments.

 

Hopefully on your order the term ( The claimant be allowed to apply for a CO ) will not be entered, judging by your comments.

We could do with some help from you.

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Yes it is. its my debt but the house is owned by both me and my husband so they can only get a restriction then? what does that mean as opposed to a full charging order?

 

Have a read http://forums.moneysavingexpert.com/....php?t=1839539

 

 

OK thanks Andy. So I take it The order will come from the court. How long does that take to come through usually?

 

You should get it through within 7 days.

 

Regards

 

Andy

We could do with some help from you.

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hhmmm thanks for that Andy. it made interesting reading. Puts my mind at ease a little.

I am off to bed now as the last week or so of sleepless nights is catching up with me :oops:

Hopefully i will sleep better tonight knowing it is over with for now.

 

Thanks again.

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  • 2 weeks later...

Well finally got the order through from the court. It states as follows:

 

It is ordered that:

 

1. There be summery judgement for the claimant in the some of £5***.** + £575.00 Costs and fees payable at £18.00 per month, 1st Payment on 1st March 2011.

 

2. Permission to claimant to apply for a charging order notwithstanding payment of instalments under the judgement.

 

So does that mean that they can only apply for a charging order if I do not keep up the repayments?

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It means Gem In spite of your installments they have permission if they think fit. Ludicrous!!!!!!!

We could do with some help from you.

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only just had a quick look but isnt this case relevant....

 

 

Mercantile Credit Co Ltd v Ellis

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?44739-Charging-Order-Court-Advice-please

My Posts exist exclusively to assist me in preparing litigation against another party.

As such, it is almost certainly protected by litigation privilege.

 

The legal requirements for claiming litigation privilege are well established and are not in dispute.

Communication between a solicitor, or the client, or a third party will be protected by litigation privilege where the communications are for the dominent purpose of obtaining legal advice in connection with, or conducting litigation in prospect: Re: "Highgate Traders Limited (1984)"BCLC 151.

 

Copyright Information: All information contained in this website , Associated websites, and Forum posts are Copyright "Reclaim The Right Ltd". If you wish to use the information on this site for publication elsewhere then please email the administrator for permission.

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My Posts exist exclusively to assist me in preparing litigation against another party.

As such, it is almost certainly protected by litigation privilege.

 

The legal requirements for claiming litigation privilege are well established and are not in dispute.

Communication between a solicitor, or the client, or a third party will be protected by litigation privilege where the communications are for the dominent purpose of obtaining legal advice in connection with, or conducting litigation in prospect: Re: "Highgate Traders Limited (1984)"BCLC 151.

 

Copyright Information: All information contained in this website , Associated websites, and Forum posts are Copyright "Reclaim The Right Ltd". If you wish to use the information on this site for publication elsewhere then please email the administrator for permission.

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