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    • I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts?  
    • I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.    From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator."   From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image.
    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
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Arrow Global EGG debt paid through PayPlan DMP for years - court letter arrived - help


Paul1973
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Hi

 

The assortment of letters are still coming, most of which are worthless, however one concerns me, any advice please?

 

Its from Drydensfairfax lot again on behalf of Arrow Global which was originally an Egg loan

 

The letter starts of with - we have tried to contact you etc.

It then goes on to say unless payment is made by 9 Sept we hold instructions to issue legal proceedings against you to recover the full balance. If payment is not made, our intention is to obtain a CCJ and if necessary we will apply for the court to enforce the judgement by either warrant of execution or attachment of earnings.

 

Do you reckon this is hot air or they're getting serious?

 

Thanks in advance

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NOT one to ignore now.

 

Are you sure DF own this account or are they acting on behalf of a DCA.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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They are acting on behalf of Arrow Global, who bought the debt from Egg. I think it will be SB around Feb next year.

 

Do you think a CCA to Arrow would be the way forward?

 

They can't really send baliffs, its the parents house but the attachment of earnings is the worry. BTW its a loan rather than a CC if that makes a difference

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Hi

 

The assortment of letters are still coming, most of which are worthless, however one concerns me, any advice please?

 

Its from Drydensfairfax lot again on behalf of Arrow Global which was originally an Egg loan

 

The letter starts of with - we have tried to contact you etc.

It then goes on to say unless payment is made by 9 Sept we hold instructions to issue legal proceedings against you to recover the full balance. If payment is not made, our intention is to obtain a CCJ and if necessary we will apply for the court to enforce the judgement by either warrant of execution or attachment of earnings.

 

Do you reckon this is hot air or they're getting serious?

 

Thanks in advance

 

scan that letter up 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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Having a few scanner issues, therefore I have retyped the body of the letter word for word.:

 

 

Date 2 September 2013

 

Our client: Arrow Global

Outstanding abount £14000

 

We have written to you previously indicating our intention to take legal action should the above debt not be paid. We

have reviewed your account and payment in full has not been received.

 

Unless payment is made by 9 September we hold instrucions to issue legal proceedings against you to recover the full balance outstanding.

 

If repayment is still not made, out intention is obtain a County Court Judgement and, if necessary, we may make an application to the court to enforce the judgment using one or moe of the following:

 

Warrant of Execution: a baliff would visit your home in order to remove goods to the value of the debt

 

Attachment of Earnings order: Your employer would be ordered by the court to deduct monies oustanding direct from your salary

 

Furthermore, if legal proceedings are issued there will be additional costs incurred for which you may ben held liable.

 

If you wish to discuss payment or the other options on this account, please contact our legal debt helpline on 0113 823 3956

 

Yours faithfully

drydensfairfax

 

(no actual signature)

 

 

 

I have never spoken to these, I 'think' it will be SB in Feb next year. To be honest I have be doing a Lord Lucan and its the parents house. Obviously I don't want to actually acknowledge where I live unless necessary, at the moment they only 'think' I live there.

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no always cca!

 

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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  • 4 weeks later...

Hi

 

I have not been on here for a few weeks, its been pretty quiet with the DCAs.

 

However I received a Claim Form from Northampton court.

 

Its for a 14k debt originally with Egg,

passed to Arrow Global and now being dealt with by Drydens Fairfax.

 

This loan was taken out around 2005,

I kept up payments until 2008 when they became unmanageable,

along with others and began to pay a reduced amount to them/other creditors via PayPlan.

 

I was made redundant a year later so could not keep up payments.

 

However when I did find work, I realised that I actually owed more than before I started the DMP despite paying over 4k over the first year.

 

Consequently since Nov 2009ish I have thought sod them and ignored them to be honest.

 

Any advice please?

 

Should I send letters, offer reduced payment?

 

I am very worried now

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moved to legal forum

posts moved from larger mass thread for history

 

lease type up the exact PoC removing any pers details paul

 

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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1. The claim is for the sum of £14,099.55 in respect of monies owing by the defendant on a credit agreement held by the defendant wih Egg account number xxxxxxxx upon which the defendant failed to maintain payments.

 

2. A default notice was served upon the defendant was served upon the defendant and has not been complied with.

 

3. By virtue of a sale agreement between Egg and the claimant, the claim vested in the claimant who has genuine commercial interest. The defendant has been notified of the assignment letter.

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Hi again

 

I have been reading through other threads, although its quite confusing for the layman with all the acronyms, would it be prudent to send a CPR letter to Drydens, acknowledge the claim online saying I wish to defend. However I am unsure as to what to say in defence.

 

If they can come up with the documents, can I still ask for time to pay, to be honest I cannot really afford more than £50 per month, £75 absolute tops. Would the court find this amount acceptable as it would take years to pay, but I simply do not have the full amount.

 

Edit:

Further reading suggests they do not have to respond to a CPR 31 request. Would a CCA be too late in this instance?

Edited by Paul1973
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no get it done today to the claimant

 

RDelivery

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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A judge will not order you to pay more than u can afford, you will probably be asked to fill out a I&E form outlining your expenditure and disposable income, if you can only afford £20 the judge shouldn't make u pay £30 if that makes sense. As it would cause you hardship. The creditor will kick and shout but theres sod all they can do.

 

As for your defence others will have to advise. Hope this take some weight off.

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Cheers DX

 

Would the one in this thread suffice? http://www.consumeractiongroup.co.uk/forum/showthread.php?195201-CPR-31.14-Request-Letter-Help-please

 

Can they ignore this request? Do I CCA them too and SAR Egg?

 

Sorry to go on but I don't want to get this wrong.

 

Cheers

 

I have just acknowledged this with the MCOL website, defending all of the claim. Shall I hold fire on completing the defense form?

Edited by Paul1973
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you can cpr yes

and cca and sar

but get them off today

 

esp the sar! recorded delivery

 

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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I have completed a CPR letter, does this look ok? Do I send to Arrow or Drydens? Also do I sign or print name?

 

Cheers

 

CPR 31.14 Request

 

On (3 October 2013) I received the Claim Form in this case issued by you out of the Northampton county court.

I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest all of your claim.

Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of [each of the following / the] document(s) mentioned in your Particulars of Claim:

1: the agreement. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached.

2: the assignment*

3: the default notice*

4: statement of account to show any default charges applied to the account

You should ensure compliance with your CPR 31 duties and ensure that the document(s) I have requested are copied to and received by me within 7 days of receiving this letter. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case.

Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party.

In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request.

 

If you require more time in which to comply with this request you must tell me in writing. You must tell me before the time for compliance with this request has expired. In telling me you require more time you must tell me what steps you have taken and propose to take in order to comply with this request and also state a date by when you will comply with this request. In addition your statement must be accompanied with a statement that you agree to an extension of the time for me to file my defence. Your extension of time must be not less than 14 days from the date when you say you will have complied with my request and you must state the new date for filing my defence.

 

If you are unable to comply with this request and believe that you will never be able to comply with this request you must tell me in writing.

 

Please note that if you should fail to comply with this request, fail to request more time or fail to agree to an extension of time for the filing of my defence, I will make an application to the court for an order that the proceedings be struck out or stayed for non-compliance and a summary costs order.

 

I do hope this will not be necessary and look forward to hearing from you.

 

Yours faithfully

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If you are referring to the 'Deed of Assignment it will not be provided as it is the contract between the debt seller and debt purchaser. A court could in certain circumstance order it to be produced it is a confidential commercial sensitive document.

 

Notice of assignment will be provided.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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