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    • they are out of time with their NTK anyway ignore them now sad you didn't spot this in the 1st place! none of what you have done was ever necessary!!
    • So what does this latest pronouncement from Juncker mean- is it more game playing or are we truly stuffed with my deal or no deal?
    • please answer the following questions.   1 Date of the infringement- 21/06/19   2 Date on the NTK [this must have been received within 14 days from the 'offence' date]- 12/07/19   3 Date received 15/07/19   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? N I can't see it   5 Is there any photographic evidence of the event? Yes a ANPR Camera showing arrival and exit but separate parking machine in car park not at gates    6 Have you appealed? Y Post up your appeal] I am waiting for a copy of my appeal but I have other emails sent i can send  Have you had a response? Y. Email was never sent as they stated on 29th July. Finally got the notice of regection sent by email on 3rd Oct.    7 Who is the parking company? National Car Parks Limited owned by Park24.co   8. Where exactly [carpark name and town] NCP, Terrace Road, Bournemouth    For either option, does it say which appeals body they operate under. Not on the letter but found on line its BPA   There are two official bodies, the BPA and the IAS. If you are unsure, BPA please check HERE   If you have received any other correspondence, please mention it here   in either case scan up bothsides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONL
    • Not much point in appealing. You paid for 4 hours and stayed for an extra 45 minutes. Goes to show what a bunch of crooks you are dealing with when you first appealed they delayed their response until you came liable for the higher charge and they wouldn't reduce that sum.   From now on just ignore everything you get from NCP  and their unregulated debt collectors (birds of a feather). They will try to frighten you with increased costs  that you can safely ignore.   In the  meantime please complete the questions asked by dx above and post up any PCNs so we can see if they got them right.   Also we need to see their signs in the car park especially the one at the entrance; any that are different from the others and the T and Cs on the ticket machine.   Before posting the PCNs please delete your name and reg. number plus anything else that might identify yourself.  
    • Don't forget ... the attorney general (Cox) who apparently advised 'misleading the Queen, Parliament and the British people as ' sounds good to me .. actually said they could ..   He doesn’t much like the idea of staying in the European customs union But said he would be willing to accept one if it would secure the goal of getting Britain out of the EU.    BUT He followed with “If we decided (meaningless distracting time suggestion) that we wanted to review our membership of any such customs union if we signed it – and I'm not saying we will – that's a matter for negotiation and discussion,”
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badboybill

IDR Finance - MBNA & Northampton CC

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Hi all,

 

In short IDR has decided they want to take me to court - fine!

 

I've enclosed a copy of the agreement with MBNA (minus sensitive bits) along with the Court Papers.

 

I never filled in the application form in 2003, just signed it as I didn't think i would get credit. I was approached by a Homebase Rep whilst walking around the isles and asked if I would like a credit card. I said what the hey and didn't think more about it - boy did I not see this coming!!!

 

So what other bits of info should i submit to the court?

 

Thanks

Badboy....Bill

Edited by badboybill
changing file types

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Bill you need to convert those uploads to pdf...far too small on jpeg to view.

 

Regards

 

Andy


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Bill you need to remove your password and the bar code on the summons....I have unapproved your upload.

 

Regards

 

Andy


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Andy, its done with a little improvisation! Bill

 

Uploads approved.


We could do with some help from you.

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Many Thanks Andy. If anyone has comments about the particulars of the MBNA agreement I would welcome them thanks.

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Ok, Submitted my defence and got a letter from IDR

 

They want me to sign a Tomlin Order and place a charge on my property. If I don't play ball they will ask for £2k to cover their legal costs.

 

The fun part is they created the order on behalf of Northampton CC. The points of the agreement that grab me are

 

5, There be no leave to the claimant to enforce the voluntary restriction by any means. This is worthless!!

and

6, In short (The Tomlin Agreement) shall be kept strictly confidential to all parties and their legal advisors. WHY?

When I logged in to my case file I noticed they have not added these documents online NOR given me any time-frame to respond!!

 

My Challenge:

 

1, IDR claim they are now the owner of my debt. Why have I not seen a letter from MBNA to vindicate their claim. Do IDR change my credit records? MBNA gets nothing? in short what does the agreement between IDR/MBNA state in relation to my t&cs.

2, I signed the agreement in 2003 in a Homebase store

3, The terms of the 2003 agreement are not the same as the 2012 agreement, WHY?

 

cheers

Bill

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Ok, Submitted my defence and got a letter from IDR

 

They want me to sign a Tomlin Order and place a charge on my property. If I don't play ball they will ask for £2k to cover their legal costs. Is that marked Without prejudice?

 

The fun part is they created the order on behalf of Northampton CC. The points of the agreement that grab me are

 

5, There be no leave to the claimant to enforce the voluntary restriction by any means. This is worthless!! Means they will never request an Order for Sale

and

6, In short (The Tomlin Agreement) shall be kept strictly confidential to all parties and their legal advisors. WHY? All Consents and Tomlins are confidential (even to the Court)

 

When I logged in to my case file I noticed they have not added these documents online NOR given me any time-frame to respond!! (this is a separate issue to the court procedure between you and the Claimant not CCBC Northampton)

 

My Challenge:

 

1, IDR claim they are now the owner of my debt. Why have I not seen a letter from MBNA to vindicate their claim.Notice of Assignment can come from either the Assignor or Assignee) Do IDR change my credit records? Yes they are now the owner MBNA gets nothing? Not their debt in short what does the agreement between IDR/MBNA state in relation to my t&cs.It states that MBNA are allowed to assign your debt to a third party

2, I signed the agreement in 2003 in a Homebase store

3, The terms of the 2003 agreement are not the same as the 2012 agreement, WHY? They update and review and change them through the agreements life

 

cheers

Bill

 

The above 3 points are their challenge not yours hence the offer of the Tomlin Order and no response to your defence...they are at a loss to proceed..... the claim is stayed.

 

Regards

 

Andy


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Hi Andy,

 

Many thanks for taking the time in going through this. What shall I do now?

 

Cheers

Bill

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Consider their Offer or continue and weigh up the risks...how much time you have to devote to the claim...how much stress you wish to take.Decision is yours.

 

Regards

 

Andy


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Ok, I don't like their offer and have plenty of time to devote to the claim. I will write to them thanking them for their offer and see what they do next. Did the MBNA agreement I posted have any flaws in it?

 

Thanks

Bill

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Where can I find a form/link to object to a N244?

 

cheers

Bill

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Hi Andy,

 

IDR submitted an application to court asking for an expired stay to become active. Citing an investigation as to their legitimacy to my MBNA debt plus claiming it was an oversight on their part that the stay had expired. As it took nearly 2 months for them to respond to my letter and the documents they supplied are incomplete, I've submitted an objection to the court with evidence of postal receipts, their documents and my summary asking that the case be set aside as the original court application was in error.

 

IDR claimed they 'owned' the dept so when I challenged this I wanted to see all contract and transactional data. In their N244 application they claimed they needed to 'investigate' their own claim!!

 

Lets see what happens.

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An interesting development, I Think?

 

Just got a letter back from the court and reads as follows, "The contents of the Defendant's letter are noted. This letter is not as application and is inadequit to challenge the Judge's order. The defendant should seek urgent legal advice and look at CPR3.3(4) and (6)".

 

The court originally found in favour of IDR and I objected.

 

Cheers

Bill

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That simply means your letter will be disregarded..and not treated as application........the Judgment will stand.

 

Regards

 

Andy


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Thanks again Andy.

 

If I defend do I submit a N244 citing CPR3.3 that the claimant has not followed pre-action protocol procedures correctly?

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Ok, realised I need to bring you up to speed. About 6 weeks ago Dartford CC found against me and I submitted my objection in writing (within 7days).

 

As for Northampton CC, I paid the fee to have my N244 objection heard but did not get a response.

 

I copied everything to Dartford CC in my last objection.

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This is why its important to post every action that has occurred not snippets after the event.......well your set a side has been rejected...you now have a CCJ which will appear on your CRA files for 6 years....Time to arrange payment.

 

Game over.

 

Regards

 

Andy


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