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    • Received a PCN from UKCPM - nothing on the window; just sent in the post to me as keeper. In 2019 the management company of the estate roads sent residents a letter relaxing parking conditions and saying UKCPM had been instructed to focus on ticketing inconsiderate parking e.g. blocking drives, pavements, junctions etc. but otherwise ok to park on the roadway. This letter referred to residents complaining about excessive/unreasonable ticketing from UKCPM. Letter goes onto say tickets are at UKCPM's discretion. UKCPM's pre-existing signage remained in place after the letter, saying no parking on roadways at all, at any time. Following the letter, the car was regularly parked for more than year in the roadway until it suddenly got a ticket.    In addition, the PCN has an incorrect location, naming a nearby road as opposed to the actual road that the car was parked.   Please can someone advise if parking rules/guidelines in  the estate management company's letter take precedence over UKCPM's signage and given the PCN was issued for simply parking on the roadway? - not blocking anything or violating the rules in the estate mgt co. letter. Also, if the incorrect location in the PCN is relevant to an appeal/defence?   I prefer to appeal now (UKCPM/IAS) as I dont want to wait many months for small claims case as i want to continue parking in the roadway and want to avoid the potential for hundreds of PCNs going to court, which could be risky.    Happy to upload the letter and PCN redacted if useful. 
    • The amount was small £70.    I had this happen several times a bout a year ago. I had maybe 2 payments that went in without checks, then every payment after this has had the " we need to check it " rubbish applied, told me its random and doesn't always happen, they couldn't answer me when i said it was happening for every payment. I did switch to PayPal briefly but they charge me and i now have the infamous " weve limited your account for no reason crap"
    • That's very interesting, determindator, thank you. I've been away and looked up hegemonic practices.   As well as 'whinge' I would put forward the use of 'unpatriotic' to anyone who dares to criticise what the government is doing or say that Brexit isn't going swimmingly.   Also, 'elite' has changed meaning. I'd say people like Jacob Rees Mogg and Farage are part of the elite but they're picking on the 'liberal elite', whoever that is.
    • The antagonistic approach is being used big time by the Cons, we saw a lot of that during the Trump administration. It's known as hegemonic practices. Unfortunately it does have it's power for a bit until enough people see through it because it repeats itself. The bots used for this during the last general election were prevalent in this. It's a powerful tool with social media but it's now being flushed out more and people looking for the truth. Not cover ups.   You see the antagonistic denigrate the person and twist the argument, all done in a specific order. There must be a school of learning for it 😆 You see the same words being used like the word 'whingeing', has now been pulled out of the bag.   I saw question time and although someone may get pulled onto the back foot of the argument at the beginning, they certainly weren't by the end😀 
    • Seems to be missing many of the times Johnson made false statement in Parliament in breach of the ministerial code, which he has repeatedly compounded by refusing to apologize for his lies .. or 'mistakes'  
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
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      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
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Charging order - black horse

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I have a charging order on my house, via black horse,

and am making agreed payments as per court order,

recently i received a letter saying the account had been sold to msportfolio,


how can the charging order be still valid if the account is no longer with black horse?

or by selling to someone is the charging order sold on,

but the court documents state black horse.

any help gratefully accepted



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Any debt can be sold on with all rights attached, including the right to anything arising from court action, such as the charging order. They have to tell you the debt's been sold, which is the point of the letter.


The only way to remove the charge is to satisfy the CCJ, or successfully have the charging order set aside (which I understand can be difficult). If you continue to make payments as ordered then the charge will eventually go. There is a risk that the new owner of the debt could apply to vary the payments, but you'd hear about this and have a chance to put your latest circumstances before the court.

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they cant sell it on


they have to go back to court and get their name put against the ccj.


keep paying whom you were.. black horse.


ever invesigated the debt for PENALTY charges and PPI/gap etc?



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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