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    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
    • Thanks Man in the Middle and everyone it's greatly appreciated form was filled in online yesterday now just have to wait and see
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Black Horse-Judgment in Default-You have not replied-Help!


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Hi everyone,

 

My wife received a claim for an old (2006-2009) Black Horse Fixed-Sum Loan in mid June.

 

I used MCOL to file the AOS online for 28 days to submit a defence and then stupidly neglected to put a defence in in-time!

 

As a result she received a Judgment in Default a few days ago that states

 

"You have not replied to the claim form"

 

- not correct (AOS submitted in time).

 

Is there any way I can dispute the Judgment as the claim was responded to in time and AOS submitted in time?

Can I appeal or try putting in a defence with a letter disputing the Judgment or is this too risky/expensive?

 

If as I suspect I've blown my chance to defend my main concern is making a payment arrangement as not in a position to pay the whole amount

so I either need to delay the CCJ date (possibly by transferring top local court/asking for a hearing etc.??)

in order to try to get funds together before the 28 days after judgment or I need to change this to a monthly payment scheme somehow.

 

Could someone explain what the options (and deadlines/time limits after judgment) are for:

 

- disputing judgment in default/defending/appealing etc.

- delaying actions (even if will still end up with judgment against us it will allow time to clear the ccj before registered)

do I have to pay to make an application to the court to vary? or redetermine?

 

not sure what options are available and what is best.

 

- requesting a monthly payment arrangement I have a feeling the deadline is coming up in the next day or so,

 

can anyone help urgently?

 

thanks. gf2k

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Broadly speaking there are two options. First option is to apply to set aside the default judgment on form N244 attaching a witness statement. You would need to have genuine, substantial grounds for defending the claim for this to have any chance of success.

 

Second option is to submit a completed form N245 to ask for monthly payments on the CCJ.

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Thanks SP, Have to make my mind up pretty quickly so appreciate the rapid response. Is there a minimum time limit after judgment to do either of these things before it is really too late? I have a feeling i may have to send these in today/tomorrow but could be wrong. N244-not sure if I have substantial grounds but if I do go this route am I correct it will cost £75 or more for the application and will lead to much greater costs if we lose again? N245-this may be the only real option. Am I correct this is £45 or more? Is there another way to do the same thing without the cost of application or is that no longer possible? (I remember reading somewhere there was a no cost option but can't recall the correct term: variation/redetermination?) thanks, gf2k

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There is no fixed minimum. You must act 'promptly' after becoming aware of the judgment to have a realistic hope of getting a set aside. What 'promptly' means depends on the circumstances and the attitude of the judge. Generally I would say aim for two weeks, tops.

 

On the N244, yes there will be fees unless you are exempt. I don't know enough about the case to comment on whether you have substantial grounds to defend it. If this is a small claim generally you should not be ordered to pay additional costs above the hearing fee if you lose ... but there is always a risk of being ordered to pay the other side's legal costs if the court thinks you acted unreasonably. This really links in to the point about substantial grounds for defending ... the risk of being ordered to pay costs is much greater if you are unable to come up with a proper Defence.

 

The N245 has a fee too I'm afraid, and will require an income and expenditure statement. Have a read of the leaflet on court fees available on the HMCS website to see if you are exempt. I don't think there is a fee-free way to do this, as any other form of varying the original order would need to be done on N244 which has a higher fee than N245.

 

The only fee-free way of doing things would be to ask the creditor to agree that it will not try to enforce the CCJ as long as you keep up monthly payments.

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Thanks again SP,

So I have until Wednesday (2 weeks)

Defence-wise I think the default notice may be bad and the signed agreement they sent back was on two separate faxed sheets (one had 'Page 1 of 2' at the top and the other had 'Page 1 of 1' at the bottom) so arguably separate?

Going through everything again now to be sure if worthwhile.

 

May be a silly question but is it possible to do both? Make the N244 application to set aside/defend and also put in the N245 to redetermine/vary (what is the correct term?) or will that not be looked on kindly by the judge?

The only reason i ask is that we are away for 2-3 weeks soon so not here to handle any issues /paperwork (although will have internet and a laptop).

 

Thanks,

gf2k

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Yes, 2 weeks is a good timeline to aim for. This is not an exact timeline, the rules only say that you must act 'promptly' without defining what 'promptly' means.

 

The stuff you have at the moment sounds a bit weak to be honest, I don't think this is enough to justify a set aside. But do check the documents and let us know if you have any questions.

 

I guess there is no reason in principle why you can't issue both the N244 and the N245 at the same time ... but possibly better to wait and see how the N244 turns out, if that is the route you want to go down. If there is a set aside hearing it may well take more than 2-3 weeks to be heard ... perhaps try ringing your local court and asking how busy they are and how long this kind of thing is currently taking.

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you're right SP, the default notices seem to give enough time (e.g. received 17th with pay-by date 7th of following month) and the 2 page contract was never going to be a strong defence.

 

So N245 to Northampton bulk Centre asap.

Too late to do that for today but can I submit it online or fax it and call in payment or do i have to post it with the £40 cheque?

 

Also a long shot occurred to me, do you think there is any way 'they' (Hillesden (claimant) or Aplins (docs & payments)) would consider a reduced lump sum of 30-50% if they are faced with possibly waiting for £20 or so per month?

 

cheers

 

gf2k

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Hi SP, filling in the N245 now, couple questions.

 

Box 9 - My wife has 3 orders to pay but only room for 2, do I use the box below which is for: "Of the payments above, I am behind with payments to (please list)"

 

Box 10 - Same deal with Credit Debts more than box 10 allows.

 

Thanks,

gf2k

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I think I've sorted Box 9&10.

 

Last question I hope:

Box 6 - "Other state benefit(s)" - does this include tax Credits?

 

Thanks

gf2k

 

 

No ...with regards to 9/10 just attach a separate sheet of paper.

 

Regards

 

Andy

We could do with some help from you.

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Called Thanks Andy,

Bit of a curve ball.

 

Just about to send the N245 through and thought I would give it a go to try to come to an arrangement direct with the DCA, to avoid n245 fee/time etc.

 

They were quite happy to agree a minimal payment per month but said that they would still go after a charging order despite the arrangement, apparnelty too late to stop the process?? had already started, claim being transferred etc.

 

I decided to set up the verbal arrangement anyway and suggested making an initial payment by card (to make sure i start getting a good payment track record for any CO hearing)

 

She agreed the monthly payment and said she would send a letter confirming the arrangment with their bank details for a standing order.

 

Forgive me if i am wrong but my understanding is that if an N245 to vary is allowed early enough then it precludes their use of a Charging Order especially if payments can be shown to have been made regularly by the time the CO hearing has come up.

Would that be correct?

 

To cover my bases i called the court and found that they had no note of any charging order procees having been started, no transfer to local court nothing.

The person i spoke with seemed to think that if the N245 was received before any CO action by the Claimant then the N245 takes precedence . I paid the N245 fee and faxed it immediately so fingers crossed that's correct.

 

Any thoughts?

Waste of money or possibly prudent action?thanks,

 

Gf2k

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Afraid not GF2

 

Since last October the playing field was slanted even more.Claimants can now proceed to CO/Restrictions irrespective if you are up to date with payments or not....N245 or not.......Mercantile case was dead and buried.So auto security for the claimant and auto conversion from unsecured debt to secured on your property.

 

Regards

 

Andy

We could do with some help from you.

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  • 2 months later...

Apologies for not posting sooner,

I did eventually agree a verbal monthly arrangement with hillesden in July and then followed it up with an N245 to be sure.

They told me it wouldn't stop the process, that they would go after the CO anyway.

My wife subsequently received a notice that the matter was being transferred to our local court for enforcement.

Shortly after that we both received notice of an interim charging order and a final hearing.

The final hearing is this Monday 21st October (I know, not much time...)

 

I must admit I'm pretty much resigned to the fact that we will probably have the CO made permanent but I've just read that it's possible to request conditions.

 

Can anyone tell me how I should request that the CO have Conditions to stop any sale whilst the children are at school or whilst a payment arrangement is adhered to?

 

Also, although Hillesden state in the application that they only want the CO for Security and would be content to accept instalments, I need to ensure variance, to formalise the verbal payment arrangement.

 

I have the I&E form that I submitted with the N245 and statements showing payments made to Hillesden since the verbal agreement/N245 in July, should we also pen a witness statement?

 

This is my wife's debt but our house, can i therefore attend alongside her on Monday?

 

Lastly do i need to send any documents to Hillesden or the court before hand if I am going after variance and Conditions on the CO? If so do I have to send it recorded delivery tomorrow?

 

Hope you can help, thanks everyone.

gf2k

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Hi Ganymede,

Yes, apologies, I realise very late to do anything, I wasn't going to ask for help until I read something about conditions.:oops:

My wife actually received the notice of hearing on 22nd August but up until now I thought our only option was to turn up, accept the CO and request that a variance be ordered based on the existing arrangement and their stated intention to accept instalments.

 

It's only after i read recently about Conditions we can add that i asked for more help.

I am painfully aware this is an 11th hour request but if I'm advised to post anything I can still scrape in a recorded delivery today for them to receive tomorrow morning.

 

Some advice seems to suggest putting together a witness statement arguing the CO, I fully expect the CO to be awarded whatever I do but is this also the correct method for trying to set conditions on the CO?

 

My only concern is ensuring no sale is forced as long as the current arrangement is kept to so if this can be done on the day without sending anything prior then great otherwise i need to rush something off today.

 

I understand that if we decided to argue the CO we would have had to post the court and Hillesden with details of the arguments before the hearing, but as we intend to accept the CO and only request certain conditions and variance can we request the conditions on the day and provide statements/documents supporting the request for variance without sending anything off before the hearing?

 

Thanks any help appreciated,

regards,

gf2k

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This is my wife's debt but our house, can i therefore attend alongside her on Monday? Yes its your property

 

Lastly do i need to send any documents to Hillesden or the court before hand if I am going after variance and Conditions on the CO? If so do I have to send it recorded delivery tomorrow? No just state your request along with your wife's at the hearing

 

Regards

 

Andy

We could do with some help from you.

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Hi,

 

You're over thinking it.

 

There is no formal way to ask for "conditions." If the CO is awarded then you will need to ask the judge that a term is inserted into the Order that states no application for an an order for Sale to be made provided the Defendant maintains monthly payments of £XX.XX.

 

This is a joint debt so the CO can only be registered as a Restriction against your wife's beneficial interest in the property. As there are children living in the house a Court would not allow an OFS 99.99% of the time anyway so you are worrying for nothing.

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Yes but not answered as in depth as yours Gany:wink:

We could do with some help from you.

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Thanks Andy and Gany,

Apologies for the last minute panic, thanks for clarifying.

 

So just a verbal request at the hearing for both CO conditions and variance, no need to take any paperwork?

 

Should I not take proof of payments and a copy of the N245/I&E for the variance?

 

Thanks,

gf2k

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"Should I not take proof of payments and a copy of the N245/I&E for the variance?"

 

Of course

We could do with some help from you.

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ok at least i got that right.

 

perhaps another obvious one, should I take the desired Conditions typed out in a particular format to hand to the judge or perhaps on a form?

Either way how should I word the conditions request at the hearing, any legal terminology to include?

 

thanks again,

gf2k

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You could but I woudnt of thought you would need to to remember:-

 

No forced sale (which they cant anyway)

Children reside

You feel it prejudices your other creditors securing a lesser debt and gives them preference. (if applicable)

 

Andy

We could do with some help from you.

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Big Problem

I've been looking through statements to find the payments to present to the court on monday but I have a big problem.

I found the original payment of £20 that i made to DCA at the end of july on the day I put the N245 and I&E form in but i can't find any others.

I've asked my wife to check her a/c as it's hers that it was supposed to be coming out of but she can't find any subsequent payments since July.

It seems Standing Order was never set up properly or at all.

 

Not sure what to do, we have made arrangements with 3 other DCAs through the court paying £20 per month via Standing order, all with no problem but for some reason this one didn't take and we didn't realise.

 

This not what i need when i'm supposed to argue on Monday for the 'arrangement' to be formalised when there was only one payment made!

 

All i can think of is paying the Aug/Sept and Oct payments i.e. £60 online today.

 

I'm hoping if we make the bring the arrangement up to date, show proof of the July and catchup payments and explain the mistake it will be enough to show the court it was an honest mistake.

I can also show evidence of that we are sticking with other arrangements too which should prove we will be good for this one when set up.

 

Is this the only option or does anyone have any ideas how best to play this to get the court to agree to an arrangement going forward?

 

Thanks.

gf2k

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