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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A 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 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   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. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 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   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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Arrow global-->bryan carter ccj issued


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Hi,

 

Further to your help above, the judgement was issued on 5th of October. I have not engaged in any correspondence with them since I last updated this forum entry above. The CCJ shows that it is still active as of today 4th of October on Noddle.

 

What are my options to get CCJ removed from my credit file?

Can this CCJ be reinforced? If so what would my best options be in this case.

 

As always, I shall be grateful.

 

Thank you

 

Aki

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it will vanish on its 6th birthday.

 

as for whoever is chasing.

I suspect they were not the claimant

and

as its almost 6yrs old

they'll have a mighty hard time in

 

1, changing the claimants name

which they must do before they can enforce a CCJ

and

2. convincing a judge that having already had 6yrs for it to be enforced

that it should now be.

 

1 & 2 are extremely rare things to happen.

 

job done!

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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Thank you DX.

 

I shall wait till tomorrow and check Noddle again. CCJ was issued on 5th of October 2010, don't know why Noddle is showing this up. Research on the net suggests that it is 6 years and a month before it is taken off the register.

 

As always very grateful for the advice. Will update of any activity.

 

AKI

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I would allow another month

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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  • 2 years later...

Hi, I was issued a CCJ in October 2010 and subsequently was agreed to pay £1 per month through variation order. I was under the impression that the company will be deducting £1 from the account per month but they have not been taking any money from 2013 onward. My question is;

 

Is it possible for a CCJ to be enforced (either through charging order after six years of no activity?

 

The history of this conversation till 2013 his available on https://www.consumeractiongroup.co.uk/topic/339058-arrow-global-gtbryan-carter-ccj-issued/page/2/?_fromLogin=1

 

I read the following quote but not sure about the authenticity and wanted to find out from CAG community as advice over here is much superior.

Quote

The fact that a creditor has issued a CCJ against you does not in itself force you to repay the debt that you owe. After receiving a Judgement you can still ignore the debt and refuse to pay it. If the creditor then takes no further action to enforce payment and 6 years pass from the date it was issued the debt will become statute barred.

 

To prevent the debt becoming statute barred after a Judgement has been issued the creditor must enforce the payment of the debt with further legal action such as an attachment of earnings order against you or a charging order against your home if you are a home owner.

If the creditor gets an attachment of earnings against you this means that payments towards the debt you owe will be taken from your wages before you get paid. There is then nothing you can do to prevent the repayment of the debt.

 

If the creditor successfully gets a charging order against your property the debt cannot then become statute barred. The charge will remain until such time as you pay the debt or you sell your property and the balance of the debt is paid from the proceeds of the sale. Your house may not be sold for many years into the future. However the debt still stands and is protected from the statute of limitations.

 

I have been receiving one or two phishing letters a year from the above companies.

 

What should my next course of action be?

 

As ever, I am very grateful for your advice.

Thank you,
 

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load of garbage.

 

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

Ccj cant become sb'd but its very hard to enforce after such a long period

But as you got had by bc in 1st place

I wouldnt sweat but id stick to cag

Not tinpot websites

 

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

you have already asked this question 3 times in this thread

try reading the last reply from post 26

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

Thank you DX for your response, I did read the comment 27 but needed further clarification. 

 

The CCJ doesnt appear on my file any more but as you have pointed out that CCJ can be enforceable for the rest of life.

 

I am thinking now that we are applying to get a mortgage, would it be not worth it if I were to engage in early settlement offers?

 

CAPQuest once offered 60% discount around two years ago.

I am just worried about CapQuest trying to get a charge against my house or order against the earnings.

 

Surely settlement offers would be a better option?

 

thank you again.

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if the CCJ is not on your credit file now

then the mortgage co wont be able to see it

and ofcourse you are not obliged to tell them either.

 

cabot are not the original claimant so as ay around post 26 , it be very difficult to get everything changed to them and before they even be able to possibly try and enforce.

wont happen.

 

go enjoy your life

 

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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