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    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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n245 variation order dismissed by judge


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My wife and I lost a county court claim as joint defendants and have been ordered to pay £2800 forthwith. We don't have it and a debt charity has gone through our figures and said run, sorry, offer £1 a month token payment because you are living on credit cards.

 

We are trying to fill in an N245 application for variation but I am a little stuck.

 

We have one source of income, my Wife's self employment, which we both work within and share the childcare responsibilities, so effectively I have no income of my own save for the child tax credits that are awarded to both of us (I do not claim unemployment). Our income goes into a joint account and all living expenses and payments come from the same account.

 

There is only one claim number so do we fill in one N245 in both our names or two with the same income/outgoings or two with my figures as zero? Do we have to pay one or two fees?

 

I've looked at ex160a to see if we qualify for fee remission. We meet the gross income part but I'm not sure if our endowment policy counts as disposable capital for what it's worth.

 

Any help would be lovely, thanks

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Hi and welcome to CAG

 

One claim number ...one N245 ...joint income and out goings.

 

Regards

 

Andy

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  • 3 weeks later...

Had a civil case and lost with the judge ordering me to pay loads within 14 days.

 

Sent in N245 variation request complete with tax returns showing my losses, bank statements showing my constant overdrafts and the stepchange printout detailing all my credit card debts.

 

Judge decided that the application for instalments be dismissed on the basis that the judgement sum cannot be paid within a reasonable time. (I did tell the creditor I had no money but he didn't believe me)

 

I really have nothing I can sell and no-one I can borrow from (who'd lend me anything) so now I am worried that bailiffs will be knocking on the door scaring the kids and adding even more on top of a debt that I can't pay.

 

I've tried to get some legal advice for free but no-one can offer any advice.

 

Help...please....

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I'd sit tight and see what your creditor does next. I'm not a legal expert but its doubtful that another judge would overturn this decision. You can't pay what you haven't got, do you own your own home? Technically sounds like you are bankrupt, might be a good thing to read up on the pros and cons of BR but your home is at risk if you own it.

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Your creditor would need to go back to court to request enforcement of the judgement before bailiffs are anywhere near your home so I wouldn't get in too much of a sweat about that right now. Time to read CAG and bone up on just what you can legitimately do to keep the Bailiffs from entering your house - ie keep the car locked in the garage along with expensive garden stuff. Make sure all windows are securely locked, of course it is illegal to spirit away all that expensive procelain and those old masters etc :wink: again the next move is your creditors unless you file for BR yourself.

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bankruptcy would be handy given the amount of debt I am carrying. Especially if someone else is paying! I'm sure I overheard the wife telling someone we had a Chagall or perhaps I misheard and it was shag-all.

 

Thanks for the info. The car is not worth much (to anyone but me) but I can happily store it for a while in a friend's lock-up. Ah the sweet smell of summer on the bus...

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Was the initial judgment a forthwith deeplydebt ?

 

Regards

 

Andy

We could do with some help from you.

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Well the creditor is entitled to reject the variation offer but the court has the power to insist.......since the changes to execution and the right to apply a charging order as security the court do not seem to enforce variations.

 

So your options......

 

Approach the creditor and try to thrash a monthly payment out...keep a paper trail as all attempts and rejections may be useful in the future.

 

Or do nothing and wait until the claimant tries to execute...which he has various options :-

 

Charging order restriction

Attachment of earnings

Third party debt order

Bailiffs subject to the amount

 

Or in the extreme cases Bankruptcy .

 

They have 6 years in which to execute the judgment.....if you can steer them to a Charging Order/Restriction that would be your best outcome.

 

Regards

 

Andy

We could do with some help from you.

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It doesn't appear to be the creditor who rejected the variation but just the court made its mind up.

 

We have no equity in our property so a charging order may be pointless.

We are self employed (and made a loss last year) so attachment of earnings will not work.

Third party debt order - not owed any money ourselves

We have lots of unsecured debt so bankruptcy might do us a favour.

Bailiffs were my worry but we'll just refuse entry.

 

So, the six years. Is this six years to start execution or if they start execution does it expire after 6 years?

 

We told them all along that we had no money or assets but they think we have a golden fleece!

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All application for variations are forwarded to the Claimant for consideration

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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Approach the claimant to try to thrash out a payment plan...a realistic one.....retain all correspondence as it may help if they try to execute and you can prove that they would not accept affordable payment.

We could do with some help from you.

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Sadly, I have nothing. When I submitted the N245 I included everything including the stepchange printout that said I should offer £1 a month not just to that creditor but to all my creditors. If it wasn't for tax credits we would have been homeless ages ago.

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Well if you are a property owner...perhaps a charging order/restriction may be best suited for both parties.

I assume this debt is considerable?

We could do with some help from you.

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Nothing to do with equity...a charging order is merely a means of securing the judgment debt should you sell your home in the future.

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

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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