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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
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SD being served for 1991 mortgage shortfall subject to CCJ in mar 05 - help


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hi,

my wife had a debt from a joint mortgage registered against her at county court for £14k in march 05,

 

paid first payment of £6 on 8,4,05 she made 5 further payments totalling £50

 

last payment date 27-3-07.

 

I must add the house was repossessed in 1991 yes 1991.

 

since march 07 she hadn't heard anything then,

 

today she received this letter from a,s,h saying they are going to serve some bankruptcy papers on her,

 

any advice would be appreciated

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can you pdf the attachment please

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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set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

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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moved to legal forum.

 

not sure they can do this.

 

whats this costs of 14k you mention

 

tell us the story please

 

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

How long does a CCJ allow for enforcement of a property debt ?

 

I thought that limitations allowed 6 years from the last date of payment or acknowledgement since the CCJ was granted.

 

If the last payment was made 27/3/07,

 

can the limitations act be used to prevent bankruptcy in August 2013?

We could do with some help from you.

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we had a joint mortgage in 89

repo in91 the house sold and covered the mortgage but not the 14000 charges,

 

I went bankrupt due to another company folding up owing us over 30k,

 

after 14 yrs my wife had lots of calls letters and visits to the house we moved to,

 

one of the company's took her to the local county court

they made an order to pay £3 pm

she made a few payments into the bank with the book they sent,

 

we still have the book showing the dates/amounts

 

we didn't hear anymore until this week when we got this letter,

 

a guy called round on Monday asked for my wife,

daughter said she was at work he left a note on the back of an envelope to call Jason with 2 numbers wrote on it,

 

my wife said to phone as she didn't know a Jason,

the number was fairclough and partners,

 

I enquired why they called they said re my wife's name,

when I said she didn't live here he of course replied the girl said shes at work,

 

a couple of days later the letter came which I posted above,

 

this is the only communication weve had,

 

the mortgage was with London and Manchester the payment book was made out to friends provident

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the house is in my name also the car,

 

her mum left her a few bob which is being moved as she was holding it in trust for our daughter,

 

the letter says they will be round to serve the papers or, leave them somewhere

 

my wife leaves at 630 doesn't get back 7pm,

 

I didn't know to have a couple hours of work wait in and tell them shes not at this address,

 

I looked through the letter the is an error on it!

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two things spring to mind.

 

one IF they can do this [if 12yrs limitations apply]

 

then you can also surely counter by reclaiming all the PENALTY charges

 

me thinks they cant

 

i'll guess the 'charges' can't be deemed as a shortfall

 

and the mortgage lending council have this 6yrs 'limit' agreement about shortfalls

 

and I don't think even if its to do with a mortgage shortfall, the 12yrs applies to a CCJ.

 

i'm sure sequenci will outline further or correct me

 

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

if a ccj is already held there is no limitation period on the time that you can be made bankrupt,

 

however you say the house was repossesed in 1991 and the ccj was obtained in 2005 after 14 years with no contact,

 

so in theory you may be able to get the ccj set aside as it was obtained outside of the limitation period [12 years for capital, 6 years for charges and interest]

others may know if this is possible

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Thanx for the help

 

my wife is going to the cc in the morning to see what form she needs to fill in,

 

I take it the paperwork this guy says he is going to serve will be in my wife's name and London + Manchester/friends provident also,

 

he states in the note that if he doesn't see her he will leave paperwork somewhere is this the correct way to do it,

 

im thinking of sitting over the road for a couple of hours make sure this guy doesn't do anything untoward like tape a letter in large red print on the door, as a bailiff once did.

 

ill still not give an address for her!

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Thanx for the help my wife is going to the cc in the morning to see what form she needs to fill in, I take it the paperwork this guy says he is going to serve will be in my wife's name and London + Manchester/friends provident also, he states in the note that if he doesn't see her he will leave paperwork somewhere is this the correct way to do it, im thinking of sitting over the road for a couple of hours make sure this guy doesn't do anything untoward like tape a letter in large red print on the door, as a bailiff once did. ill still not give an address for her!

 

She would need to have the SD in her hand before she could complete the set aside form for the CC.

The set aside is in response to what they have put on the SD form.

 

While you are waiting for the SD,

I would suggest that have a look through what paperwork that you currently have and then make a request to the mortage company for anything missing by way of an SAR.

 

You need to start researching the law on them pursuing the mortgage debt more than 6 year after a payments towards a CCJ.

 

If the mortgage was paid off from the proceeds of the sale of the house, is the remaining debt for the various charges considered a property debt.

 

If it considered to be a standard debt and not property/mortgage related,

then it may be argued that the debt is subject to the limitation act and cannot be subject to bankruptcy.

 

You would need to obtain formal legal advice from a Solicitors.

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 OTHERS

 

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

 

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If you are going to be sending a Subject Access Request, the one below specifically for Mortgage shortfalls might help.

 

 

Your Address

 

By recorded delivery

 

Date:

 

Lender’s address

 

 

 

 

 

Subject access request

 

 

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

Specific details of the handling of the marketing and sale of the property after possession:

 

1. Details of the agent(s) responsible for marketing the property, a list of the offers received and how they were reviewed.

 

2. Copies of any newspaper or internet advertisements relating to the sale of the property.

 

3. Copies of the valuations received on the property (minimum of two is required under the CML rules).

 

4. Selling agent’s report on activity and any reports relating to visits to the property to ensure security of the property.

 

5. If the property was sold under value please provide reports and supporting evidence to prove that the best offer was obtained.

 

6. If the property was sold at auction, please provide reports to support the decision to sell at auction.

 

7. Specific details of the fees or charges levied by any other agency in respect of this account and a detailed breakdown of said fees or charges and what each charge relates to and on what date said fees or charges were levied.

 

8. A genuine copy of any notice of fair use of my data as required by the Data Protection act 1978.

 

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

 

 

I enclose the statutory maximum fee of £10. You have 40 calendar days in which to comply.

 

Yours faithfully,

 

XXXXXXXXXXXX

 

 

 

Enc. Statutory fee £10 – postal order number:

 

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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.

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Isn't the debt now statue barred as it has passed the 6 years as the debt relates to charges and not the mortgage?

 

This is where the OP will need to get advice from Solicitors.

 

Was the debt already statute barred before the CCJ was obtained presumably by default ?

 

6 years has now passed since the last payment was made towards the CCJ.

 

I am not sure how these arguments would be tested in a SD set aside hearing.

 

Think a Judge could tell the claimants that applying for bankruptcy is not the correct way forward and allow the set aside.

 

That is my amateur view, hence advice to seek formal legal advice.

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 OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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I would also suggest you have a read of the following National Debtline Factsheets to give you a greater understanding of your situation

- Factsheet 11, Mortgage Shortfalls, Factsheet 25, Liability for Debts and the Limitation Act, and

 

Factsheet 36, Dealing with a Statutory Demand.

 

Was it the Original Creditor [Friends Provident] who obtained the CCJ?

 

imo this debt may well have been sold recently for a few pence to the bottom of the food chain who now fancy a quick profit cant see the oc still pursuing this

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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