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    • I have read through a number of similar threads, but one thing i'm not sure how to proceed about is that I live abroad in the middle east and have done for several years. The claim letter was sent to my parents address and I really don't want them to be harassed about this. I am sure I sent the original creditor a registered letter with my change of address but can't find this currently. I am not in a position to pay this, and tend to come back to the UK to see family at most once a year (less since Covid), so not particular bothered about my financial score...more concerned about harassment of my parents. I have not registered on the gov gateway or anything like that.  Details below (as best as i can), and thank you for taking the time to look into it. Also redacted claim form attached: Which Court have you received the claim from ? Civil National Business Centre (Northampton) If possible please scan redact and upload a full page copy of page 1 of the claim form. (not the response page or AOS) Name of the Claimant ? PRA Group (UK) Limited   How many defendant's  joint or self ? Self   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 23/5/24   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM Tues, 11/6/24 (19 days)  Thurs, 25/6/24 (33 days)   Particulars of Claim   What is the claim for – the reason they have issued the claim?  The Claimant claims the sum of £7926 for an outstanding debt owed. On 20/4/18 the Defendent entered into an agreement with Lloyds Bank for a Credit Card under reference [16 numbers]. On 10/5/22 the Defendant defaulted on the agreement with an outstanding balance of £7296. On 28/11/23 the debt of £7296 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/23. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) to act on its behalf and the CLAIMANT CLAIMS 1. The sum of £7925   What is the total value of the claim? £8481 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? I believe I sent a letter by registered mail of a change in address to abroad in 2021. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not personally - probably sent to my parents   Did you receive a Default Notice from the original creditor? Not personally - probably sent to my parents   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not personally - probably sent to my parents Why did you cease payments? Unable to afford, living abroad   What was the date of your last payment? Unsure (probably 2021)   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No     Claim form 23-5-24.pdf
    • While we wait for someone to explain how farage is any better than sunak  .. if not worse   One of many likely upcoming belly laughs   Reform chairman Richard Tice has accused the Tories of (reform like) “dirty tricks” after one of his party’s candidates withdrew his papers to stand at the last minute and endorsed former cabinet minister Sir Gavin Williamson. In a dramatic final 24 hours before nominations closed there had been fevered speculation that as many as six Tory MPs and other candidates could defect to Reform after Nigel Farage decided to stand in Clacton and become leader. But instead no Tories switched and Tom Wellings, the Reform candidate for the new seat of Stone, Great Wryly and Penkridge in Staffordshire, quit and put out a statement endorsing Sir Gavin.   Who does he think he is an Anderson, a Carswell !!! was heard at the reform HQ pub ... as Candidate brushed aside by Farage in clacton to run as an independent    Tice accuses Tories of ‘dirty tricks’ to persuade Reform candidates to stand down WWW.INDEPENDENT.CO.UK Exclusive: A furious row has broken out after a Reform candidate’s last minute defection to the Tories   :ROFL  
    • See what you think of the attached. I have to do some proofreading of an English grammar book for an Italian publisher this weekend - for money! - so I'm afraid corrections and suggestions will come in dribs & drabs.  I've totally knackered the layout, the numbering and the order of your Exhibits but there will be several versions done so don't worry about that ATM. Your arguments are superb. What is less superb is the way you jump from one to the other and back again, so I haven't changed your words, but I have moved the paragraphs around and given each section a heading. New bits are shown in red. Crossed out crossed out in black is something you've quoted from the government Code of Practice, but that has since been withdrawn so unfortunately that argument has to go. Your paras 7 & 8 don't harm your case but to me are waffle and can go.  Keeping the arguments clear & concise will always impress a judge. IMPORTANT - did you ever send Simple Simon a CPR request?   Defendant's WS - version 2.pdf
    • Björn Ulvaeus appeared on stage in East Yorkshire at a conference held at the Bridlington Spa.View the full article
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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.

      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Navide Akbar Litigation manager from Excel has stated they have a new strategy!


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Fresh update:

 

excelfighter Today, 10:48 AM

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Join Date: Jul 2011

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*************************************IMPORTANT UPDATE*************************************

 

I have set up a new account to give this information.......

 

I have just rung Navide AKbar the litigation manager @ EXCEL/VCS for a chat

 

He started of by saying he had been trying to get hold of me etc and said the court line was always busy(not true???)

 

I then told him of the judges finding(CPR section 31 not applying etc etc). He stated they did not receive the court documents until saturday so were unable to make the hearing and would be applying to have it set aside.

 

So he is going to make a fresh application to the court for a new hearing and have the case reinstated etc.

 

He said he didn't believe that the car owner wouldn't know who was driving and who had no responsibility to who was ever driving. He accepted that the defendant was not the driver.

 

I asked him to make comment directly on the website but he said he had no need to go on these sites as they were a play ground for children. I told him they were used to give people their rights back. He said this was scandalous

 

He advised he would be making this aware when the case is next hear (it doesnt matter that help has come from a website) , the judge wont look down on this.

 

He said he was very confident he would get this overturned on appeal when he could test the defendant (ie on the issues on who was driving etc). He was also considering taking the matter to the highest court

 

In the end its fair to to say he was getting pretty het up.

 

************

 

Can someone copy and paste this on to CAG and PEPIPOO. Looks like the defendant will need to know this.

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Fresh update:

 

excelfighter Today, 10:48 AM

MoneySaving Newbie

 

Join Date: Jul 2011

Posts: 1

Thanked 0 Times in 0 Posts

 

 

*************************************IMPORTANT UPDATE*************************************

 

 

He said he didn't believe that the car owner wouldn't know who was driving and who had no responsibility to who was ever driving.

 

How on earth is he going to prove this, they are obviously confused

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I would say because the company feels they have lost revenue etc

 

Completely disproportionate, as their invoices are not revenue streams all they can possibly claim for is the parking fee which I am sure is due to the landowner

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I would recommend that you read the judgment in the case of Vehicle Control Services Ltd v Revenue & Customs [2011] UKFTT 125 (TC).

 

I think that will entirely sum up the position with regard to where the money goes that they charge for.

 

But the VAT judgement is for income recieved. On a cash accounting basis the PPC would pay VAT on charges raised that have resulted in payment recieved. So they could invoice someone for £120 (inc £20 VAT) but if they dont get paid for it they wont pay the vat man. The argument of the case is that they were claiming VAT exemptions on items they were recieving monies from and that is what they were doing wrong. So the argumnent still does not hold.

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The OP has confirmed by pm that the case is still going ahead. This seems odd as they accept the guy wasn't the driver. I wonder if the journalist from the star is going. I most certainly am(is in melting mowbray 18th 20pm). Prehaps we shouldn't have been so cynical of the poster!!

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The OP has confirmed by pm that the case is still going ahead. This seems odd as they accept the guy wasn't the driver. I wonder if the journalist from the star is going. I most certainly am(is in melting mowbray 18th 20pm). Prehaps we shouldn't have been so cynical of the poster!!

 

This is without doubt extremely bizarre I will wait with baited breath to see what comes out.

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I would recommend that you read the judgment in the case of Vehicle Control Services Ltd v Revenue & Customs [2011] UKFTT 125 (TC).

 

I think that will entirely sum up the position with regard to where the money goes that they charge for.

 

And is the VAT man going to turn down all that lovely revenue? The same VAT man that wanted to get his hands on the jaffa cakes?

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On Mse the hearing for the 18th has been vacated. The judge has set aside the Npo strike out and is to be re listed for the 25th at 2pm

 

Getting an NPO on me would have the same effect. I know as much about driver identity as the defendant.

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And is the VAT man going to turn down all that lovely revenue? The same VAT man that wanted to get his hands on the jaffa cakes?

 

It is not revenue for the VAT man, in most cases they are paid VAT for monies recived offset by the VAT on monies paid out (cash accounting). Exception are big businesses who do offset VAT accounting (accounting on an accruals basis) but get their VAT back when they write off a debt. VAT man does not give a monkies if you bill 1,000 per month or 10,000 per month they just want their 20% of the cash recieved.

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Well some news

 

The applicantion got dismissed again. Excel say they are still deciding wheather to appeal and their next move, they still seem to think they can proceed with getting a ccj. That would get laughed out of court.

 

Secondly navide akbar is no.longer employed by Excel.

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No doubt he is one of those "Litigation Managers" that we have seen referred to on here, within the last few days.

 

You remember.......'due to continued expansion... duties including issuing legal proceedings....working knowledge of contract and trespass law...background in civil law.'

 

Sam

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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The judge can refuse permission to appeal.

 

Appeals can be made if there has been an error in law, or a procedural impropriety.

 

Any appeal would go via the first avenue, but what error in law has been made? The defendant wasn't driving, has no knowledge of who was driving, was not party to any wrongdoing and was not a witness.

 

I think obtaining a NPO for a private parking invoice is tough enough, but going after a person who knows nothing is insane. Which is perhaps why Akbar has been given his P45.

 

The only purpose of this is so that the BPA can waffle on about NPO's on their member's threatening letters. Simon Renshaw-Smith is a board member remember.

 

Which makes me wonder if the BPA know something we don't about the likelihood of Registered Keeper being made 'liable' for private tickets.

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Which makes me wonder if the BPA know something we don't about the likelihood of Registered Keeper being made 'liable' for private tickets.

 

Personally I cannot see this happening, how can you make someone liable for another persons "breach of contract" also the question of damages would raise its head, prking in a free car park does not incur any damages. PPC's and BPA can continue to waffle on I think they are getting more desperate as more people realise this is purely a con trick

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The wording of the Freedom Bill is all over the place. In a nutshell it states the keeper would be made liable for a parking charge notice, if the driver identity isn't known, and the charge is as agreed via a contract with the landowner's agent, and that it is irrelevant whether the vehicle was permitted to be on the land or not.

 

There are about 5 question mark over every sentence there.

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