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    • Just as the title says, if ever there was a good reason to ditch Micro$oft and move to Linux then this is it :-   Giving Windows total recall is a privacy minefield • The Register WWW.THEREGISTER.COM It's only a preview, and maybe it should stay there ... forever Help is available, most modern PC's can run a version of Linux suitable for your needs and it is not difficult to use or learn. Ubuntu is popular, new version is very modern Garuda Linux is the one I use, based on Arch, rolling release, bang up to date. I have friends and acquaintances, old and young, PC Literate and not. Most people who try it never go back to Windows Hamster
    • I've had to hide two of your posts.  Anyone clicking on your links gets sent to external sites.  On top of that your real name is showing on one screenshot.  Fellow Site Team member dx100uk has already politely asked - Anyway, jk2054 wants to see the communication you got from your local court which will have told you about the hearing date of 17 June, and will have mentioned a deadline for filing your Witness Statement.
    • I believe it is helpful to seek guidance from a range of places and decide on the validity of the sources and frequency of responses which are most helpful. A single voice can be a dangerous thing. As, of course, can groupthink. Scott, it feels like £4k on a solicitor for a £1.5k bill is overkill. Were we back in time I'd suggest small claims court as your claim sounds like it may be straightforward? By all means add that phrase on. I also suggest you contact the court and go and sit in on a couple of similar cases to get a better understanding before you shell out.
    • a card should be 16 digits...urm... note your dates above please. do not miss them no matter what happens  ......................... pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Which Court have you received the claim from ? Northamton, civil national business centre Name of the Claimant ? PRA Group Uk Portfolios ltd. How many defendant's  joint or self ? self Date of issue –  21 May 24 date of AOS - 07-06-2024 date for filing defence by - 21-06-2024 Particulars of Claim 1. The claimant claims the sum of £5600 for an outstanding debt owed. 2. On Mar 2000 the Defendant entered into an agreement with Barclays Bank Uk PLC for a credit card under reference ( 11 digit ref ). 3. on Mar 21 the defendant defaulted on the agreement  with an outstanding balance of £5600. 4. On Aug 21 the debt £5600 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on Dec 23. 5. Notices of assignment were sent to the defendant in accordance with S136 Law of Property act 1925. 6. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND THE CLAIMANT CLAIMS 1. The sum of £5600 What is the total value of the claim? £6100  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No - just emails threatening action   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? no 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 ? before - in 2000   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't recall - I suspect post / online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? am awaiting access - but I suspect it is    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. assigned - debt purchaser has issued the claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Pretty certain - Yes   Did you receive a Default Notice from the original creditor? pretty certain - Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? there's been gaps - they went very quiet  Why did you cease payments? Covid lockdowns  What was the date of your last payment? i thought it was 2020 - they say 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
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Alright guys wondering if anyone could give me some advise.

 

I had a knock at the door last year and two guys from TV licensing caught me off guard, I said I watch TV but the house I was staying in apparently didn't have a license. According to my tenancy agreement there should be one license for the property so I showed them this but they gave me a fine anyway.

 

I was planning to dispute the fine but I moved out a month later and forgot about it, this was in September.

 

I get a 'further steps notice' letter a month ago from the magistrates court saying I owe £300 and if I don't pay within 7 days they'll reclaim the money using a bailiff. I phoned them up and explained this was the first I've heard from them, they said I could apply for a statutory declaration due to move of address and the process would start over.

 

I tried to phone and organise this a few times but their phone lines are always busy, they put you on hold for a few minutes then it hangs up.

 

I'm pretty rammed at university right now so I forgot to chase it up, now I have a letter from Marston Baliffs saying I need to pay £390 within 7 days otherwise they will remove my goods. I again phoned the court up today and couldn't get through to organise a statutory declaration, I then went through to the magistrates finance unit and they said tough, you had you chance... its with the bailiff now.

 

Where exactly can I go from here? The fine itself is rubbish, I'm currently bankrupt and a student so there's no way I can pay this fine - and all I own is my computer which I need to work.

 

Any help welcome, thanks.

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Did you actually have a TV, is there one in the premises? If the only TV is in the communal area, then the licence you showed them should have been OK, it may be worth taking legal advice, about appealing as this looks like it could be a greedy Capita salesman, after some commission.

 

You should take legal advice ASAP, and contact the court to say the premises were properly licenced, and you wish to appeal Did you get a summons?

We could do with some help from you.

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Thanks for the reply.

 

According to the tenancy agreement there should have been a TV licence for the communal area, when they knocked at my door they phoned in to check and apparently there wasn't one in place. I just told them I watched TV within the premises and that was that, started reading me my rights within no time.

 

I'm happy to appeal the initial fine but I'm not sure how to deal with Marston at the moment. All I've had in terms of communication since the day I was cautioned was a 'further steps notice' and now a letter from Marston, nothing else at all.

 

Is it really too late to do a statutory declaration? Or should I just get hold of the court and say I want to appeal right away.

 

I'm currently in my final month of University so I don't need this stress on top :(

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If you had closed the door and refused to be interviewed, by these Capita goons you would not have been prosecuted in all likelihood, there is no law compelling you to speak to TVL or deal with them.

 

Most victims and you are a victim stitch themselves up in that interview "under caution" you don't have to give them. You should never admit to watching TV to one of them.

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We could do with some help from you.

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If you had closed the door and refused to be interviewed, by these Capita goons you would not have been prosecuted in all likelihood, there is no law compelling you to speak to TVL or deal with them.

 

Most victims and you are a victim stitch themselves up in that interview "under caution" you don't have to give them. You should never admit to watching TV to one of them.

 

Which is why I said they caught me off guard, I'm usually pretty good with knowing whats what.

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What if they see you're watching through the window though? I know the procedure for not giving them your name or signing anything myself but isn't it all blown away of they just report you directly?

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Thats always made me giggle. "under caution" yet they arent really in any capacity of legal authority. Are they court officers? Are they the police? Nope. They are simple muppets hired by a private company who exist solely to make a profit.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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What if they see you're watching through the window though? I know the procedure for not giving them your name or signing anything myself but isn't it all blown away of they just report you directly?

 

Tyhey can only summos you if you give them your name, or worse still sign the Capita salesmans little interview slip.

 

Best option is take legal advice, and if all else fails contact court and ask to have your means examined, there are others who can give better options all of which will involve offers of payment to court

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Thanks for your comments.

 

I have one specific question I'd like an answer to though.

 

Due to the fact I received no paperwork until I eventually received a further steps notice, I was advised by the magistrates finance department to sort out a statutory deceleration. This would in-turn start the entire process again and I would be able to appeal my fine with TV licencing.

 

Because I didn't do this in time, despite the fact I have only ever received a further steps notice - they've thrown it to the bailiffs.

 

Why is it I can no longer do the statutory deceleration? Surely the reason to get one is still valid, i.e. move of address, no communication from anyone.

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Because you have not done it in time, you only have a limited time allowed to swear the stat dec, after that it is too bad.

We could do with some help from you.

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Because you have not done it in time, you only have a limited time allowed to swear the stat dec, after that it is too bad.

 

Yeah I've just had a look and the time limit is 21 days.

 

I wasn't informed of a time limit by the adviser in the finance department however, would this be grounds to file for a statutory declaration out of time?

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