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    • Hello I hope someone can give me some advice here, as I am at a bit of a loss on how to proceed. This relates to alleged offences under the RTA. Yesterday I received a notification from the local police of intention to prosecute for the following offences: 1 driving without due care and attention 2 failing to stop at a road traffic accident 3 failing to report a road traffic accident At this stage they have only asked me to say whether I was the driver at the time or not and provided a blank sheet of paper to give information about the incident. Going by the location (just round the corner from where I live) I can only imagine this relating to one recent incident, which wasn't actually an accident but more of a road rage event. I was driving past someone unloading or working next to his lorry which had stopped in the road. I wasn't going fast or anything, while I went by lorry man turned around and punched and kicked my car whilst going past him. I stopped and got out and wanted to know what he thought he was doing punching and kicking my car. He then hurled some verbal abuse at me, swearing and he was quite aggressive. I still didn't know what his problem was and said I would report him to his company for threatening behaviour and vandalism for punching my car. I got my phone and tried to take a photo of his lorry and number plate but at that moment he came right at me, still shouting and swearing, so I was worried he may hit me next, as he already punched my car. I thought if the guy hits me I will come off second best, so I decided to retreat. I quickly got back into my car and left. When I checked my phone later the photo I tried to take was blurred and useless, so I thought it was pointless to report the incident to the police, as the guy would not be traceable. Over that I forgot about it until I got the letter yesterday in the post. This is the only thing I believe this can relate to, but I have no idea based on what the three above allegations come from There was no road traffic accident, more of a road rage incident. So I am at a loss what to do. I have 28 days to respond. Should I just say yes I was the driver and was there and see what happens next, or should I already make a written statement on the attached piece of paper they sent me and send that with it ? Is there anyone here who would have a rough idea what to do next ? I tried my legal advice line through my Union, but they have sent me from pillar to post, now say it needs to go to a different department again and that would be chargeable as the RTA comes under Criminal Law. So any advice would be appreciated Many Thanks
    • So a quick update got bounced around two different departments and managed to speak to a DVLA bod , explained the situation and they could see the overlap and that DD payments had been made from Feb , also no formal remiders prior , they gave me a number for the legal dept who I am calling this morning to see what they can do in terms of the SJP notice , still have time to submit this online.  Will update after my chat this morning 
    • filed the defence at same time as suggested @dx100uk
    • Also, I am trying to understand how invoicing a large sum in a 6m period becomes tax fraud?   Is it because if he had invoiced over the £85k threshold he should have been obligated to charge vat?  Which would have meant hmrc would have benefited from the vat amount? So by not charging it Hmrc have lost out on £s revenue?  Is that what makes it tax fraud? So as a self-employed contractor, let's say he invoiced one Co for 200k.  Should he have charged vat on the full 200k (£40k)? Or just on the sum above the threshold (£23k)?  And that by not charging vat, he has knowingly withheld tax £s from Hmrc? And is the payer complicit ?
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    • We have finally managed to obtain the transcript of this case.

      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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MBNA CCJ/CO (Rest K) - sold to Marlin


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Thought as much, no probs will give it a go then. Hopefully they won't send someone from the bank seeing as they tried to get it moved to a court near them, just hope the judge doesn't rule in favour of them as they do tend to do these days...

Edited by bilious
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Well seems my local court has, sided with me!!! and have just sent me a letter stating i have to pay the judgment. Does this mean the original judgment? And if so what can mbna do now will they appeal again and again? Any advice please?

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Well my brother didn't read the letter properly to me! just had an interim order against my house through the post in my wifes name.. Seems that cos neither of us turned up for the hearing in december i had no idea about it (any advice!) they've overturned the installments i was paying and ordered a forthwith! it only came through the post this week but was done 21 december please please help what can i do now? the hearing is in feb i need to really find out what i do next as i'm really really panicking now...

 

And my next question is what can i do about not being informed by the court about the meeting and not getting the letter through till today 3 weeks after the hearing!!!! can i get this set aside??? Please help chaps am so afraid of losing my home due to this cos mbna will go for a sale of the house next when they get this charging order..

Edited by bilious
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Bit of background

 

have a couple of ccj's against me didn't contest as i thought i'd rather pay it off slowly and get it out of the way!

1 creditor was happy with the ccj and have set up a S.O every month

the other mbna not happy and asked for re-determination at a court near them (150 miles from me.)

 

in the meantime have been paying them the amount specified on the original judgment,

did manage to object to the hearing so far away and got it switched to local court,

heard nothing about a hearing whatsoever.

 

until Friday i had court papers through the door dated 21st December telling me as no-one attended the judge ordered a forthwith to them

(had i been informed i would have attended.)

 

Saturdays post came with a interim charging order on my home but addressed to my wife,

she is now beside herself with worry and her mental health has not been good for a couple of years..

 

As they've sent this what are my next steps as i feel i've been totally screwed both by the court as they already accepted a payment plan

which i could afford and have now handed my home to mbna who will go down the selling of my home route.

 

What can i do cos we are both at our wits end..

 

Please please help...

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Contact the court, explain what has happened and ask for a re-determination hearing, based on the fact that you have other CCJs, this is detrimental to other creditors and is a complete abuse of the process.

 

Get your local MP involved pronto as the government are very much against companies who go for charging orders for debts under £25,000.

 

Complain to Trading Standards and the Office of Fair Trading about MBNA, they are under warning for not treating customers fairly so remind the OFT of this and ask for the case to be looked at urgently.

 

You might need to put in for a stay of execution but I am not sure how you do this... have you got any children as that can be used to point out to MBNA that they shouldn't have their education interrupted at a crucial time.

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Good afternoon bilious

 

You need to make an Application - Application notice-N244 to the court requesting that the interim charging order be discharged under CPR 73.9 (Discharge or Variation of order).

 

State your reason(s) for making the app - i.e; you have not defaulted on the Judgment awarded against you.

 

In para/box No 10 on page two of the Application notice (N244) State your further reasons why the said order should be discharged - i.e; Late post due to time of year, therefore you did not receive any notice of the hearing and as a consequence you were deprived of any opportunity to file and serve any statement(s) in opposition of the claimant's app in respect of re-determination hearing or his reasons for seeking enforcement of the said Judgment that was not in default and being fully complied with by you.

 

Attach any documents/exhibits that you intend to rely upon in making your application to have the interim charging order discharged - enclose three copies of any docs you intend to rely upon.

 

You need to act fast before the claimant files his application for Order of Sale.

 

The fee for your app is £75.00 (because a hearing will be required to decide upon this matter).

 

HM Courts Service web site is where you can fill out the two page Application notice (N244) and print it off, when you have done this, make three copies, one to file to court, one you serve upon the claimant, keep the third one for your own records.

 

How much is this debt?

 

How much were you ordered to pay to the claimant each month?

 

I hope this will help you somewhat bilious.

 

Kind Regards

 

The Mould

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Debt is 11k and was ordered to pay 20 per month by the original ccj which i have done without fail

what worries me is i have had no notice of a hearing

but looks like mbna had the heads up hearing is 5 weeks away that any help..

 

What troubles me as well is the fact the DJ didn't obviously look at the case and just ordered a forthwith...

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Bilious, what is this Hearing in 5 weeks time?

 

What paperwork have you from the court/claimant relating to this Hearing?

 

Well, as you did not attend court (not your fault - I know) the claimant had free reign at that Hearing, so goodness knows what he put to the court.

 

Kind Regards

 

The Mould

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Useful link below to fact sheet on COs - basically one should not have been granted if you were making payments against the CCJ. You need to contact the court and make a fuss about not receiving the claim forms etc, request copies to be sent to you

 

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=15_charging_orders_in_the_county_court

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Hiya!

Neither of us were at the hearing

i really don't know whats gone on except the dj obviously favours the bank?

 

the hearing is for this interim order to be heard!

what are my steps if you don't mind me asking money is quite tight and need to know exactly what i can do without throwing money away at the court to just turn it down.

 

all i received was a new judgment with the forthwith order then mbna's rather large bombshell with the interim order etc... any advice please

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Thanks for that donkey, how exactly?

the phoning up or the n244 form?

 

cos 75 pounds is rather a lot at the moment and someone asked about children?

we have two one is 5 the other is 16 months but mbna really don't care about that do they?

 

Not sure about the uncontested as a ccj was awarded they wanted redetermination, and whallop i'm stuffed lol..

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you had the right to attend to argue the case and should have been informed of the date of the hearing.

It will take an N244 but as SG says, you may get relief.

 

They could only have gotten a redetermination at a hearing with your presence if the judge was convinced you were able to pay more.

 

Your standpoint is that

(a) you have adhered to the court order;

(b) you cannot afford to pay more; and

© you did not receive notice of the hearing,

 

so a fresh hearing should really be a formality.

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i'd like to think so, but really don't know now after this...

Sorry to be a pain but am at wits end right now and can't focus properly,

 

so do the n244 form fill it in make three copies and take it in to the court and pay there?

Also can someone step by step for me as i really can't think right now, what else do i have to send them copy of the original ccj? and receipts for the payments i made on them etc etc?

 

do i also need to send in an i&e for them as i really can't afford more all the money that comes in goes out! my other creditors accepted the 20 pounds per month and am in talks with the other two atm, but mbna are the worst and have been throughout..

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Hello again Bilious

 

Very briefly, I will go through the N244 with you later on tonight - step by step.

 

Can you scan in and post up the paperwork that you have received from the court at all, please?

 

Have MBNA made an application for a interim charging order or has interim charging order already been granted by the court?

 

I understand fully that £75 is an awful amount of money when finances are already stretched to the limit, try and remain calm about this matter if you can bilious, we shall get you and your wife through this dreadful ordeal.

 

I am going off-line in 5 mins, so, can you come back quickly with the answers to the above please, if not, don't worry, I shall catch up with you tonight.

 

Don't bother telephoning the court as it will not achieve the required result.

 

Kind Regards

 

The Mould

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Lol

just phoned the court

no apology nothing

interim has already been granted by the court,

hearing is set for 4 weeks time...

 

They've said the same n244 form have checked my address,

i asked why i didn't get any notification of this hearing (silence......)

how if a judgment has already been made which i adhered to,

how it was granted to the bank?( more silence....)

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What if you have been served with an Interim Charging Order

 

The first thing to do is to check to see whether the correct process has been followed. Always check to ensure that the creditor is actually chasing the right person! At this point we will assume that any potential challenge to the legality of the Judgment has been carried out (CCA request, Challenging default notices etc). It is worth checking to ensure that the judgment has been entered correctly, did the N30 form outline the determination process correctly? If it didn’t you could consider a set aside. It is worth checking the day the Interim order was applied for to see if the CCJ was actually in default on that day. If an application to vary the terms of the CCJ has been sent to the court prior to the Interim Order request ensure that the court considers the variation before considering the Interim Order. The creditor must send a copy of the Interim Charging Order and Affidavit to all those with a legal and/or beneficial interest in the property, for example the mortgage lender. If this doesn’t occur the hearing will be adjourned.

 

 

Regards

Andy

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the original ccj has no missed payments

whats happened is they've ask for redetermination!

 

I wasn't informed of the hearing date 21st december,

neither of us were there,

he's ordered a forthwith, 21st december, which i only received thru the post on jan 15th

 

yes was in default for the forthwith (which i had no idea about. mbna obvioulsy knew because they went and have been granted an interim against me..) but not the original ccj.

 

am i making sense?

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Ok I see the Mould is going to go through this with you this evening as per his post above.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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hope so, but am at work tonight so hopefully we'll catch up tomorrow,

i'm sorry but everything they've not supposed to do,

they have done and done so with impunity,

and it seems now that they'll easily turn an unsecured card into secured and then forcibly sell my home,

because this looks like what they've intended from the start...

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Bilious

 

Is the Hearing that's comming up shortly for a final charging order?

 

I understand what you are saying in relation to the re-determination hearing, so you are probably in default of that Judgment/award, as you say.

 

OK, you need to file and serve your written statement opposing/resisting the claimant's app, stating the grounds for your objections. You already have the knowledge of those grounds/reasons, so start preparing your statement, you must file and serve your statement not less than 7 days before the hearing date.

 

Catch up with you later on tonight.

 

Kind Regards

 

The Mould

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Think with the state of my mind at the moment am gonna need help with that buddy,

cannot think straight at all,

 

tried to do the right thing by paying off what i can afford and have been thrown to the wolves so-to speak!!

 

keep reading about this Mercantile Credit Co Ltd v Ellis in 1987 will that have a mention or am i barking up the wrong tree?

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