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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I hope Angel's ok, but wonder if she's reached an agreement that's included a confidentiality clause.

 

Possibly she's got herself a solicitor who has advised keeping information off the forum.

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Caro

 

Fair point - but even a "I've agreed (or been advised) not to say anything further" would be nice to get - even nicer than getting the star hit as it would be for everyone's benefit.

 

Getting nothing at all suggests a defeat which is demoralising for others.

 

BD

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Caro

 

Fair point - but even a "I've agreed (or been advised) not to say anything further" would be nice to get - even nicer than getting the star hit as it would be for everyone's benefit.

 

Getting nothing at all suggests a defeat which is demoralising for others.

 

BD

I agree there

 

There is often a valid reason to keep the approach or tactics quiet , and that is something that people need to respect. After all, its nice to know whats happening , but that can never be at the expense of losing the case at trial due to disclosure of the key points.

 

However, there is always scope to say , i have done this, or engaged a lawyer etc, that is never something that can or should be kept quiet.

 

For the record, i do not know what is happening here either

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  • 2 months later...

hello everyone

 

i apologise very deeply for not getting back to you all - no excuses just felt totally demoralised and my faith got totally knocked, i dont even know how i got the strenght to come back but i needed to say thank you and to offer my apology too for my lateness.

 

with my job i got sidetracked too which hasnt helped neither,

 

im fine today, but basically didnt get the set aside as the creditor could not find any records of my calls - i didnt take my phone records but hey why would i bother even to to fax the court of a conversation id had with the creditor so that didnt even worry the judge sad to see that

 

i had tried to statethat i wanted to have the info so i could prepare my defense if i had one once i saw athe info but the ccj got awarded, now the judge asked the creditor to provide evidence to me of the account statements to prove the account was mine as i had wanted to ensure the creditor had the correct account - so now i have had the

statements, copy of the terms, default, and the proof of account sale to the creditor, and court date is soon so guess i have to accept it but i wont be able to afford the couple of hundreds i fear they will ask me to pay monthly

 

so guess i have to get a income and expenditure or do i have to accept first what the court is going to say i must pay and then do a form to ask for a lower amount,

 

i dont know if i have the strenght to put in my voice to state that the default notice didnt give me the 14 days to remedy my info on my records shows only 13 but hey how do i express that and im guessing its too late and yes too late for legal representation too as i didnt get my mind to deal with it when the paperwork finally arrived ,

 

if nothing ive learnt from this is that im not getting back to my depression status that i was in a few years ago - i must just have to deal with it and get a final decision but pay what i can afford -

 

very sorry to all again - i guess when you start this journey you have to be well in yourself first and foremost otherwise it will only cause more problems and my health is too precious to lose again

 

i will be back later going to see if i can find any links or threads i can follow in the meantime for a little inspiration

 

have a lovely easter break catch up later this evening

 

cheers angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hope Angel hasn’t gone back to heaven...

 

Thank you Donkey that really made me laugh today,,, no ive lost all my money to the swear box and thus heaven wont let me in lol

 

at least my sense of bad humour is still with me

 

sorry my last post just wobbled out of me, hope to make more sense from now on catch up later

 

angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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hello everyone

 

i apologise very deeply for not getting back to you all - no excuses just felt totally demoralised and my faith got totally knocked, i dont even know how i got the strenght to come back but i needed to say thank you and to offer my apology too for my lateness.

 

No need for apologies.:-)

 

with my job i got sidetracked too which hasnt helped neither,

 

It's never easy juggling everything that needs to be done.

 

im fine today, but basically didnt get the set aside as the creditor could not find any records of my calls - i didnt take my phone records but hey why would i bother even to to fax the court of a conversation id had with the creditor so that didnt even worry the judge sad to see that

 

i had tried to statethat i wanted to have the info so i could prepare my defense if i had one once i saw athe info but the ccj got awarded, now the judge asked the creditor to provide evidence to me of the account statements to prove the account was mine as i had wanted to ensure the creditor had the correct account - so now i have had the

statements, copy of the terms, default, and the proof of account sale to the creditor, and court date is soon so guess i have to accept it but i wont be able to afford the couple of hundreds i fear they will ask me to pay monthly

 

The judge won't order you to pay more than you can afford.

 

so guess i have to get a income and expenditure or do i have to accept first what the court is going to say i must pay and then do a form to ask for a lower amount,

 

Make sure that you give an I & E to help the court decide what you should pay based on what you can afford.

 

i dont know if i have the strenght to put in my voice to state that the default notice didnt give me the 14 days to remedy my info on my records shows only 13 but hey how do i express that and im guessing its too late and yes too late for legal representation too as i didnt get my mind to deal with it when the paperwork finally arrived ,

 

Legally you should have had the extra day to remedy the default but would it have made a difference to you? I suspect not, and there's nothing to stop a new DN being issued so really it's a pointless argument. I know there's been lots of discussion about what people think on CAG and other sites about how to fight claims like yours, but what matters at the end of the day is what the courts think, and it seems to me that they think that people should pay back what they borrow.

 

if nothing ive learnt from this is that im not getting back to my depression status that i was in a few years ago - i must just have to deal with it and get a final decision but pay what i can afford -

 

Exactly. No amount of money is worth making yourself ill for.

 

very sorry to all again - i guess when you start this journey you have to be well in yourself first and foremost otherwise it will only cause more problems and my health is too precious to lose again

 

You have nothing to apologise for angel. You've helped and supported a lot of people on CAG. I'm just sorry that things didn't work out better for you.

 

i will be back later going to see if i can find any links or threads i can follow in the meantime for a little inspiration

 

This budget sheet should help you. Please make sure the court get it in good time and you remember everything you have to pay out including annual and one off things. Budget Sheet.xls

 

have a lovely easter break catch up later this evening

 

cheers angel x

 

Hope your easter is good too. Just try and get this behind you and move on to happier things.:hug:

The Consumer Action Group is a free help site.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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thank you Cadbury, and also thank you caro

 

huge thanks for your wise words, can i take into court the income and expenditure form the day before the court hearing ? as due to the bank holidays this week, i will only have one day if the court is open i have to check, otherwise i can take copies in for the judge and the other side on the day?

 

yes i agree the default highlighted will only allow them to do another default so i agree - also its too much at the moment for me to deal with, just learn from it

 

thanks for your kind words i will definately stick around more and try and help others with support,

 

*******

 

having just checked the i/e form you kindly linked,, as its a sole debt in my name only, my hubby is not aware of this, i wish to complete only in my name with my income which is not salaried but allowances for the type of caring job im doing - at the moment still training to increase my allowances but that could be another 6 months, so for now should i just show my income slip as evidence but of course this allowance is for contribution for my car expenses and the food and heating and washing duties i do in the job im doing, i dont even contribute to the mortgage or household expenses as hubby does that apart from a bit to the gas and elec weekly.

 

hence i could be left with only 10.00 a week spare which i could offer for a few months till i get the increased allowances.

 

even though kids are still at college, ie family allowance, i give that amount to them for their clothing and bus passes, so its in and then straight out for their needs

 

i guess i can only complete and let the judge decide, i will not default on it as im scared for a charging order and then hubby will find out and all of this to help a friend with thier eviction of their house and im left with dealing with this and a ccj in my name, im so very cross with myself that this happened whilst i was ill and i wasnt thinking clearly only to help a friend, hindsight is a truely wonderful thing, a hard lesson learnt.

 

cheers any guidance would be really helpful thank you angel x

 

 

 

 

 

 

 

cheers angel x

Edited by angel_1

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Yes you could take it in the day before to assist the judge, but take copies on the day too.

 

I can't help thinking that the court would question why your i&e didn't include things like mortgage etc. If you included his info would it make a difference to what it appeared that you could afford?

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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hiya cara

 

reflecting on what you are saying, i appreciate that if i did include the monthly payment then i would have to declare my hubbys wages and as he is not aware of this debt and i really dont want him involved as it was what i did for my friend, without his knowledge, and its a sole debt in my name only - im thinking is there a legal reason why I have to declare my hubbys wages and all our other expenses that he pays for from his wages? understand that the house is jointly owned but the main contribution to the house and living expenses for the family are from his wages not mine.

 

i could not pay the mortgage with the other expenses the allowances are for from what i get each week - but yes, i understand it does look a bit odd but my pay slip will show what im getting on a 2 weekly basis. i will only get paid for the time i do the caring, hence my dilemma too

 

hubby is paying his own debts off too from his wages and not from our joint wages, can i not do the same is what im thinking? since we each have our own sole debts

 

am i going to get stuck with this now do you think? cheers angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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You must do what you think is right Angel. I don't know.

 

It will be up to the judge to decide but I don't know if Link will have the opportunity to say anything about it first. You may need to be ready with some answers. I can see what you mean about it being your debt and so dependent on your income. I'm just not sure if it would be accepted that this is your only income if your husband pays your household expenses. But then this isn't a household expense .......

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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ok caro

 

i will do 2 spread sheets and incorporate everything on one and just mine on another and see how it all ends up as

 

i guess the judge could order my hubby to declare his earnings and his expenses if he is not happy with my sole earnings - and expenses

 

i will reflect on it and update you once done - certainly do not want to cause even more problems

 

cheers angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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I don't think that he could order your husband to do anything but I think your solution is probably safest. Just keep it up your sleeve on the day in case you're really pushed. I might be entirely wrong but better to be prepared IMHO.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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hiya caro

 

yes i will do,,,another flash came to me as a relative has offered to give me a quarter of what i owe to offer as a full and final settlement since no doubt they will have bought the debt off for a low amount, could it be something i could start with my offer weekly amount and if that is not accepted then to offer a full and final settlement within a time frame of say 2 weeks? could the ccj be then be shown as satisfied as i guess i cant ask for it to be removed totally can i? that is cheeky i suppose lol

 

just asking out loud my thoughts,,, cheers angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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I think the time for F&F might have gone. Can't hurt to try I suppose but I don't see why link would accept when they have a court order that says you have to pay it all. The only way for a CCJ to be removed would be for it to be set aside I believe.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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thank you again caro

 

yes i believe you are right again, just going to do my best and learn from it all

 

cheers angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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It's always worth exploring all your options. Hope it goes ok for you.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Angel

 

Got your pm - hope you got my reply wishing you well tomorrow?

 

I have been in a very similar situation to your own. My business failed leaving me with loads of personal debts incurred while I tried to (foolishly) keep it going using "easy money" from a whole host of lenders - an dneve rtold my wife of the mess I was getting into to.

 

My wife still had a good job and actually paid ALL the household bills for a few years - with ALL my money going to pay off debts. Then I discovered CCCS and later CAG - and my I&E used to get good monthly deals and then affordable F&F's ONLY showed my own income (not hers) - since my debts are only in my name - so not joint debts.

 

Some DCA's tried to get me to disclose all the household income and expenditure but I stood my ground as my wife's credit file is squeeky clean - and her own I&E is none of their business. That said, I don't see any harm in trying to get the judge to consider ONLY your own I&E - but having a joint one ready just in case - however I really can't see how/why he would make your husband's spare cash be used to pay your OWN debts. Indeed you could argue you should be putting some of your own income towards bills HE is currently pay in in full?

 

Hope you're feeling abit stronger now - good luck tomorrow!

 

BD

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Thanks for that BD. I was concerned there might be a question mark over the lack of living expenses and thought it best to be prepared for this eventuality.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Caro

 

I agree - Angel should take in both I&E's - but argue forcibly that the husband's I&E is irrelevant. He is already paying ALL household bills etc. - why should ANY of his income be used to pay Angel's PERSONAL debts to any OC or DCA?

 

A counter argument should be that some of Angel's income should go towards such household bills - thus reducing the amount available to pay monthly to any OC or DCA.

 

BD

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thank you caro and bigdebtor

 

i understand more clearly now what you are both saying and yes i will stand my ground on this, why i was concerned back of my mind was that i dont want a charging order on the house if the judge deems my proposal of a my payment too low, surely if i default on what is confirmed as my payment offer and then i default on it i would expect a charging order claim from the claimant, but i continue to pay what the judge orders then surely im safe?

 

also can i ask for any bank charges to be taken off the amount being requested to be paid? and im guessing i will end up with their costs now too being added but i was worried if they try to ask for the statutory interest i thought id read that that could be added for a year max..

 

anyway here for another hour then im out

 

cheers angel for your thoughts and ideas

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Good point on charges - ALL credit card default cahrges (not just anything above £12) can be reclaimed UNLESS they prove this is the COST to them of the default - which they will never do as it's much less and they'll never admit exactly how little it is - AND also reclaim contractual interest at the SAME RATES (i.e around 2% or more per month typically - compounded monthly) as they charge on the total cumulative balance of all such charges and accumulated interest.

 

Good luck!

 

BD

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Hope all went well angel.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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hiya guys

 

sorry for my delay,

 

didnt go well - judge agreed id tried to do all but as id not put in my defence at the time even though my efforts were done the ccj was still awarded by the court processes at northampton.

 

ie my fax was of no real evidence and i believe if i had sent in a n244 court request to supply the info before the time of defence it may have been more successful for a set aside,

 

but as i now have had the paperwork which proves everything, i have no dispute and thus he couldnt set aside as any future court case would go against me and would cost me more in the long run and would go to fast track and so if i could agree an amount which i presented to the judge -

he advised me that i should inform the creditor and get a payment plan in place,

 

their sols but of course advised me that if the claimants dont agree then they would look at a charging order to secure the funds

 

i advised if that happens then i would have to look at my other creditors and they could object and my other half certainly would as the debt is in my sole name and nothing to do with them

 

i think it was a bit of scare tactic so i may look at agreeing in paying the full amount of 300 pounds a month

 

i need to send a letter i guess in putting my request in for their consideration if they fail to accept then i guess i will need to come back and ask for some assistance please

 

However, how do i ask for the charges back or is that a lost cause now???

 

what are your thoughts, like i said earlier, i have learnt a lot and maybe now on this one has to be damage limitation and pay something each month without the charging order hanging over me

 

im online for a while cheers angel x really sorry it wasnt good news but hey ive learnt a hell of a lot from it and that is important too

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Hi Angel, sorry things didn't work out hey ho.

Move on, I wouldn't be offering any more than the I & e. Stick to that. The amount you are paying will not influence there decision on a C/O route, and if they did go for a c/o it's not the end of the world, and will only be a restriction.

We have a c/o restriction nothing to stress over to much.

IMO they are very difficult to defend, tried failed.

Offer a payment within your budget, and if neccesary go to court for a judge to decide a definitive amount. We did.

All the Best

Cadbury

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