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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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Charges from solicitor for hfc debt


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I have been paying a loan off through attachment of earnings from start of 2010,

 

i have been paying a 100 pounds month which comes out of my wages,

 

i have rang the solicitor this morning and asked how much their charges where etc,

 

they are going to ring me back,

 

but i think their charges on top of what i owed hfc was around 1000 pounds,

 

this actually went to court before,

 

its not a ccj,

 

but the loan originally was 95 pounds a month for 5 years,

 

the judge originally said i had to pay 150 pounds a month,

 

i stated that the original payments where only 90 so he agreed a 100 pounds,

 

i did not have a solicitor with me because i could not afford it at the time, wish i did though.

 

.. is there anyway legally i can get the charges knocked off??

 

maybe a silly question

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If the charges were added to the judgment debt then I don't think you will be able to remove them. If they weren't, then I don't think they can add these on afterwards. Your debt is purely what the Judgment order states. Do you still have a copy of that ?

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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If the charges were added to the judgment debt then I don't think you will be able to remove them. If they weren't, then I don't think they can add these on afterwards. Your debt is purely what the Judgment order states. Do you still have a copy of that ?

 

HFC passed it to their solicitors here in Belfast, i have a copy from the enforcement of judgements order, the original debt was only 5119.00, on the original attachment of earnings order it says the amount is 6729.49, then i got a second order before i went to court which didnt mention the amount at all, when i went into court hfc solictior was there and she gave me my contract from hfc which said i owed 5119.00, nothing was mentioned about the 6729.00 i am trying to get hold of the solicitor but he is dodging me at the min..... should i ask him when he put the charges on etc?

Edited by slick132
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i have both letters here one saying please find enclosed attachment of earnings order then another saying please find enclosed notice of hearing of objection to an order.... heres a picture of part of the letter of the attachment of earnings, but the actual amount of owe is 5119.00

 

 

[ATTACH=CONFIG]43900[/ATTACH]

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I have removed the personal stuff from your document and converted it to pdf.

 

 

 

You are ordered to make out of those earnings periodical deductions in accordance with Article 73 (1) of the Judgments Enforcement (Northern Ireland) order 1981 until £6,729.49 the amount recoverable under theJudgment has been paid. For the purpose of calculation the said deductions the normal deduction rate shall be £40.00per Week and the protected earnings rate shall be £150.00 per week.

 

 

 

This is the most important part of the Judgment. You have been ordered to repay via your wages the sum of £6,729.49 @ £40.00 per week. It is my understanding that you are entitled to earn £150.00 per week that is protected, so if you earn less than that, then the monies cant be deducted, but I am sure others will be able to confirm this for sure.

 

Once that £6,729.49 has been repaid that is it.. there is no allowance for adding interest etc..

 

So, what you should be doing is working out how much you have already paid and deduct it from the sum in the Judgment order - that is what should be left.

 

Hope this helps.

Edited by citizenB

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Nope, you left your name in at two places and also the case number !!

 

See my comments in the post above yours.

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I will send an S.O.S on your behalf and ask for someone who knows about these things to look in on the thread.

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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frankaai, do you have a copy of the original summons/particulars of claim? That way we can see if the interest/charges were requested at that stage.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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