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    • I have received an email in the last 10 minutes 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024  It also includes a "Notice of Hearing" stating that the application hearing will take place on 13th June at 10.00am.  Confused as to whether I need to attend this ?
    • I've received this notice to keeper. I work for the NHS and was delayed due to patient care. I park here regular and and have never had any issues. I've looked at the evidence on the portal and other than showing that i entered at 12.59.33 and departed at 17:14:14 it doesn't state how long i overstayed for. I paid for 4 hours parking over the phone which i wont have done till i got parked but as its over the phone i have no receipt or record but it is not possible for me to have been in excess of 15mins from the photos alone but I'm unsure having read other threads whether grace periods are 10 or 15 minutes. I havent appealed yet but and was about to but in appealing i'm showing i'm the driver which i gather is something you state we must never do. I don't like confrontation but £60 seems extortionate. Hope you can help. 🤞 1 Date of the infringement 30th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 30th May 2024 [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] No reference to schedule 4 just says"...we the creditor reserve the right to recover unpaid parking charges from the registered keeper in accordance with POFA 2012." 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up NA 7 Who is the parking company? Carpark securities 8. Where exactly [carpark name and town] Northgate, Halifax Former Dews Car Park HX1 1XJ For either option, does it say which appeals body they operate under. IAS There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   Notice to Keeper.pdf
    • It never seems to amaze me how the chuckleheads think that No Stopping can ever offer a contract when it is prohibitory. In any case you did not accept the contract by entering the land, you entered the land to get to the airport for goodness sake. In most car parks there is a Consideration period that allows motorists to decide whether they want to stay in the car park . Here on a road, there is no consideration period and whether the motorist finds the terms agreeable or not even assuming that they are able to understand that they are being hoodwinked into believing they are being offered a  contract they cannot turn back. They have a plane to catch and even if they did turn back because they didn't accept the  No Stopping term of   the so called contract they would still have had to stop to turn around. Plus there is a question of Frustration of Contract. You had to stop at a pedestrian crossing .    
    • Just a couple paragraphs their WS that it might be useful to refer to specifically in the OP's WS... Para 6 A contract was formed with "the driver" of the vehicle. Para 8 "The driver" accepted the contract. (The "driver" is not named, or identified anywhere in the WS). Para 7 WHY would there ever be a "no stopping" restriction in a car park? (In Para 10, they specify that it is a "car park"). Para 11 "The Defendant" became liable." Again, they have not shown that the Defendant was "the driver", simply the keeper. Para 20 "It is a matter of agreement"? Not really sure what they're trying to say here...
    • Thank you for relying so quickly! That is what I had concluded was the reality of the situation.. I'm still waiting for the call within my time slot.. I will try to fill this thread with more info, find original letters and show the docs of the pack I was sent, a pack with no real covering letter to show what it was in response to or from whom..
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1st credit/hfc bank legal action letter help


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Hi New to this, I have just received a letter from 1st credit saying i owe £2000 or they will take legal action, I have many debts that are all over 7 years old due to divorce and redundancy and have had many letters from lowell,reds/conaught in past and simply ignored them and they gave up 2 years ago, so this one has caught me a little off guard, if the debt exists this too will be over 7 years old, I have just applied for my credit score to see if this debt exsists if it does it will be stat barred, I would just like some info on - 1 have i messed up by ordering credit report(can they see i have done this) 2- will they take legal action, 3- is it poss i have ccjs against me and dont know as i have moved 5 times with work in 8 years. thanks

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Hi Craiggizmo,

You have not stated what the debt is for? Credit Card/Loan/Overdraft etc.

In answer to your questions...

1, DCA's and the Credit Reference Agencies are in bed together, in the future it may open the flood gates for you to receive loo paper through the post.

2, Whatever the debt is for, legal action (if any) is a long way off as yet so don't lose any sleep.

3, If you have CCJ's registerred against you at a previous address that you were not present at at that time then you can get them set aside.

If you know you have not paid or acknoledged the debt in the last 6 years, just send the Statute Barred letter and see what they come back with.

Post it on here minus your name, address, reference numbers, full amount and any barcodes.

Best Wishes

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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1 have i messed up by ordering credit report(can they see i have done this)
It has probably alerted them yes.
2- will they take legal action,
It's a typical letter trying to get your attention, send them this;

 

Date:

 

Dear Sir/Madam

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. AND in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading of your actions.

 

I/we look forward to your reply.

 

 

Yours faithfully Print name do not sign

3- is it poss i have ccjs against me and dont know as i have moved 5 times with work in 8 years.
Yes but you can check online at http://www.trustonline.org.uk/ it will cost £12 & you'll have to enter all your addresses.

 

Any CCJs over six years old will have dropped off and cannot be enforced without the courts permission & this is rarely if ever given.

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Thanks for quick reply , i think it was a pc world account but not sure ,i know i also had a flexi loan with them before things turned really bad. I also have others from those times rbos (never contacted me) , and 2 hsbc (lowell) will these start chasing to because of credit report, i have not viewed it yet as i am awaiting a pin through the post.

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hi, craiggizmo upon checking you credit report from these credit ref companys i belive they hit the red alert button to every dca in the land, this i found out after taking out a free 30 day free trial offer. i was soon indeed bombarded with dca threat letters on old c/c debts

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Ive just worked it out that its been 7 and a half years since any payment on my debts so am i right to think they have no legal standing to request any money, also if i have ccjs will these have been applied for straight after the default on each debt and therefore also have dropped off. If i ignore letters and these debts are stat barred can they take any action or are they just killing trees for nothing.

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Technically they could have applied for a CCJ anytime within six years of the a/c becoming delinquent. however if they have obtained one using a previous address and they are less than six years old you could apply to have them set aside. If they are older than six years they would need to apply to a court for permission to enforce in any case.

 

Considering they have not mentioned any CCJ in their letter they are either unaware of a CCJ themselves or one doesn't exist.

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Ive just worked it out that its been 7 and a half years since any payment on my debts so am i right to think they have no legal standing to request any money, also if i have ccjs will these have been applied for straight after the default on each debt and therefore also have dropped off. If i ignore letters and these debts are stat barred can they take any action or are they just killing trees for nothing.

 

i suspect you know the answers:-) yes yes yes.

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Rhos123 what was the outcome did any get any joy from you as indeed i have taken the 30 day trial but not entered the pin yet

 

hi they indeed did not get any joy from me! it makes no diffrence you have not entered the pin once you submit your your details to thier systems the red alert light in all dca offices will light across the land!

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