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    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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Have you stopped payments 6 years after a default?


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Hi all,

 

I am interested in direct experience of anyone who has decided to stop paying a valid (ie not statute barred etc) debt once it drops off your CRA (6 years after the default notice).

 

Did your creditors just give up, did they try contacting you and more importantly, did they try to take further legal action?

 

There has been some argument on the validity of this kind of action here but with no real conclusion.

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If you hope to stop paying and not receive mail threats or phone calls just because 6 years elapsed since D N , that is pure wishful thinking.

They will hound for as long as they deem worthwhile unless and until you reach S B [which will be another 6 years] and then tell them to stop.

A person in this position - you, presumably - would have been better not to start paying DCA rogues in the first place, then you would have reached S B at or before 6th anniversary of D N.

Creditors' decision whether to take legal action hinges on their assessment of your financial status and assets.

If you were to outline your actual case rather than talk hypotheticals, peeps might be able to offer more specific guidance.

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No it's not really about me - i've pretty much finished with making F&F to clear my debt.

 

But reading the thread I linked indicated a significant difference of opinion which then also appear on many other similar threads so I was curious to see if any action had actually been taken in those circumstances.

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Sorry. My misunderstanding.

But what link ? Here in my mobile phone, there's no link to another thread showing on this one - unless you mean the S B information link.

Nevertheless, I still don't see what possible doubt might arise. Ceasing payments just because 6 years have passed since D N will not cause creditors to stop chasing and /or taking legal action.

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Starting a claim 6 years or more after the " cause of action" i.e. the default would not be viewed sympathetically by a court, a creditor has had full six years to attempt to enforce and has not don so.

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even when, as in this apparently hypothetical case, a payment arrangement has been kept going all or most of the time up to the 6th anniversary of the d n ?

yes.

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I think the OP is talking about a debt that's been paid over the six years.

Edited by caro
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To clarify: I am referring to a debt that is under an arrangement to pay (effectively a formal or informal DMP style arrangement) so in no way SB.

Quite and you are as said correct the 2014 ICO document effectively means that an AP in now recordable for a very extended period.

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