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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • 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.  
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AG/Wilkin chasing unknown MBNA CCJ from 2010


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Morning Guys,

 

In the post this morning I received a letter from Wilkin Chapman LLP (Arrow Team)

with regard a CCJ taken out by Arrow in early 2010

 

(the claim number matches the one on my credit report although the amounts differ? CCJ £9266, AG/WC £8946.33).

I am sure that this is an old CC debt.

 

They have supplied a Notice of Change of Solicitor and a personal financial statement (which of course I will not be filling in).

 

I am sure that I did not inform the OC of a change of address in 2008 (home repossessed), so no chance of a set aside.

The debt itself is SB but I am aware that this means little with the CCJ.

 

It does state though that "Our client is willing to discuss terms of repayment and consider proposals from you."

 

My question is,

can anything be done at this stage to fight the good fight? In all honesty no... they have 2 years remaining to execute the judgment hence their letter and request

If not and without filling in the personal financial statement,

 

what sort of full and final offer can I make to them that would satisfy their greed on the amount outstanding

or a sensible monthly offer to clear the debt as quickly as possible? Thats your choice but if they opt to execute it further they can ask for an Attachment of Earnings (if working) Charging Order if you have Property and Third Party debt Order to freeze your bank accounts or issue a Stat Demand and make you bankrupt

As always they require an answer with 7 days before going all enforcement on me.

 

Any advice will be greatly appreciated.

 

Cheers

 

Your intended letter is pointless...except for the F&FS part.

 

Regards

 

Andy

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Morning guys,

 

Update: Response for WC offered a 20% reduction, which is a good start, still too much for me to pay in one go though. Any suggestions for a counter offer? I have to borrow the money as my outgoings are quite big.

 

Many thanks

 

G

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Morning guys,

 

Update: Response for WC offered a 20% reduction, which is a good start, still too much for me to pay in one go though. Any suggestions for a counter offer? I have to borrow the money as my outgoings are quite big.

 

Many thanks

 

 

Offer 10-15% of the alleged balance.

Write something like:#

 

 

This offer is made as a gesture of good will and is not an admission of any liability for the alleged debt and is made on the following conditions:

 

 

1. Any remaining balance will not be sold or assigned for collection to any 3rd party at any time in the future.

2. All credit file entries to be marked as "settled" and the default marker to be removed within 14 days of acceptance in writing of this offer.

 

 

Make sure if they do accept that no payment is made until you have the written agreement in your hands.

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

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Cheers Brig will give that a go.

 

 

The wording is very specific so as to leave no doubt on liability.

I would use signed for post and check delivery.

 

 

This is probably going to be a negotiation process so have a figure in mine that you are prepared to go with, this must be reasonable and must Not put you in to any hardship situation.

 

 

Good luck!!

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

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Morning chaps,

 

Response from WC stating client does not accept my FF offer (about 20% of outstanding amount). Waffled on about CCJ being obtained in 2010 and the debt not being SB. They suggested I seek legal advice if I continue to dispute and have put the account on hold for 14 days.

 

Unsure of my next move as I thought they may counter my offer but that didn't happen. I suppose I could offer them a monthly amount until the debt is settled but have no idea of a starting point. Anybody out there have an idea of what DCA's may be willing to accept as a monthly payment? Or is it worth me firing in an offer of 50% for FF?

 

The debt currently sits at around £9000.

 

Once again thanks in advance.

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Me again.

 

Just been working out some figures and I think I may be able to afford £100 and maybe a little bit more per month to clear this over a slack handful of years. Any chance they would accept this amount?

 

Cheers

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I think that would be just acceptable...7.5 years to clear.

 

Regards

 

Andy

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Thanks Andy. I think that offer may give me a bit of wiggle space as I probably would be able to up it an extra £20 pm if they turn it down. Don't really want to go to court to argue the toss even though the court may find I can afford less. What are the chances that the DCA refuses my offer and wants to go back to court to enforce a higher monthly amount?

 

Sorry for the constant questions.

 

Many thanks

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I would of thought a court would agree that £100 PM is more than sufficient and reasonable on the amount of debt greenhill.

We could do with some help from you.

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By any chance is there a template letter setting out the terms of my monthly payment offer to WC/AG?

 

 

I don't want to fire off something that may land me in trouble.

 

 

Also am I right in thinking that I do not have to submit the income and expenditure form that they have sent?

 

 

I have just completed one with step change and my £100 offer looks very generous!

 

 

My outgoings match my monthly salary before this debt.

 

Thanks as always.

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No requirement for a I&E just make an offer in writing and ask for written conformation of acceptance.

We could do with some help from you.

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  • 4 weeks later...

Hi guys,

 

WC still insisting I complete an I&E statement which I have repeatedly refused to do.

 

I have completed an I&E for my own benefit and have offered above what I can actually afford. Is there a way that I can say "take me back to Court" as I am sure the Judge will settle for a lot less. Or can I apply to the Courts to have a figure fixed to stop these idiots chasing what I don't have?

 

Many thanks

 

GH

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You can make an official approach by submitting the N245 ...but then you would have to complete the I&E contained within the application which would then be forwarded to the claimant for their approval .....so they till get your I&E in the end....dont really know what to suggest?

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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