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    • I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts?  
    • I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.    From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator."   From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image.
    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
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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.

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Experto Credit chasing me - 1994 CCJ for £2k!!


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Please forgive me if I am posting this in the wrong place but I am very worried and cannot think to straight at the moment!

 

Many years ago (apprx 1994) I had a County Court Judegment against me.

 

I had lost my job due to ill health and owed money to Lombard Tricity Finance.

I think it was around £2000.

 

I offered some small amount of payment to the court which they accepted.

 

A few weeks ago the amount we had been paying by standing order was being returned to our bank account.

 

We had had no contact with the company and presumed the debt had been cleared so we cancelled the standing order which was setup on my wifes bank account.

 

The other day we recieved a letter from 'Experto Credite Limited' stating...

 

"As you have failed to satisfy Your County Court Judgement, your case has been returned to us by HL Legal Solicitors to consider enforcement action.

 

Despite previous payment options being offered by our solicitors you have chosen to ignore their attempts to resolve this matter

and we now have no option but to demand immediate payment of the outstanding balance.

 

Payment in full must be recieved within seven days from the date of this letter

 

If payment is not made, we may instruct our solicitors to take further action against you, the costs of which could considerably increase your liability.

 

We are keen to avoid the above action, and therefore need to discuss the matter with you urgently.

 

POlease call now on blah blah to discuss the possible solutions to resolve the situation, and to avoid the requirment for additional enforcement action."

 

This is the first letter I have had from them! so the part about being offered other payment options is bo**ox!

 

I am very worried and dont want to call them as I will only get extremely upset and if they get my home number from me I know I will be hassled to death by them!

 

Can someone please please help me?

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its late now, and you are probably awake worrying about problems just like me.

 

stay cool. there are some excellent people on here who will be along soon to help you.

 

im not qualified to answer your questions in detail but rest assured i am yet to see anyone on here be told there is no hope!

 

try reading back through some of the other threads on the forum. i am sure i have seen many getting help with how to deal with CCJs

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well you certainly should NEVER call them - end of - no exceptions.

 

just to clear things up

 

who you paid by SO has never been changed by you?

 

WHAT have you been paying £?

 

a £2k debt from 1994 shold b well cleared now, unless the judgement box includd any interst.

 

get her cra file too

 

see below, noodle are free

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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First of all... thanks reallyinthecrap that did actually make me feel a little better lol. :)

 

dx100uk. ok understood I will NEVER call them!

We never changed the standing order the payments just started getting returned to us about 10 weeks/3 months ago so we stopped the order thinking it was all over

we were only paying something like 5 quid a month for about 18 years.

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so that approx £1080 paid

 

it mght be an idea to get her cra file

 

and

check trustonline.org to see if the CCJ is active.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

It would have to go back to the court for them to be able to claim again, and it is unlikely given the payment record that they would be able to get any further judgement against you - especially as it can be proven that payments were returned by THEM and not YOU.

 

This seems to be happening quite a bit now on old judgements.

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If there is a CCJ, the judgment will detail what has to paid and to whom; this is an order of the Court, and cannot be changed without going back to Court. If you have complied with the order of the Court, there's nothing a DCA can do.

 

In other words, if the judgment said that 10 instalments of £10 had to be paid to Company A, Company B cannot come along and demand that £50 must now be paid to them.

 

Checking Trust Online and CRA files is a good idea.

 

The action to take in these circumstances is to send the risibly-named Experto Credite a short letter:

 

Dear Sirs

 

I refer to your demand for payment dated xxxxx.

 

The judgment made on (date of judgment), which was to pay (amount) monthly to (payee) has been complied with. I am not aware that the Court has ordered any variation, or that you have any authority to change an order of the Court.

 

In the circumstances, I regret that I am unable to assist you.

 

Yours etc.

 

You must keep up the payments; if they are returned, put the amount aside.

 

It's not unknown for creditors to sell CCJ debts, but they, and the buyers, often forget that they can't just change what a Court ordered.

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Sorry but Im not too familiar with many of the acronyms used here. I know I had a ccj and it was being paid until recently but Im not sure why they started returning the payments from the standing order?

 

The noodle thing Im not sure what that is all about but its asking for a credit/debit card which I do not have! all my transactions are done in cash or direct debit.

 

Im still a little lost here but I really do appreciate the help that you are all giving me, that alone has made me feel a little less stressed!

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have you a visa debit card on your bank account?

 

all they use if for is to verify 'who' you actually claim to be.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you'll have to use the £2 po method then

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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