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    • Feeling tempted to cancel it now but scared that some of the debts will do more Ccj on me and I'll have to wait 6 years again.  2 of the Ccj come of this year and then I'll only have the iva in credit file - so effectivly if I'd have not took out the iva I 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years so as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off.    My true victory would be having the iva wiped off my credit file as misold or something that way I. Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -    Other option is to try and borrow money and pay make a full and final offer    Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting    It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 account Lowel about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway    If I can somehow remove the iva from my creitt file I'd be happy   
    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say 
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Capital2coast PCN Lewes - Clamform received


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Morning Dragonfly,

 

 

Great, thanks for your post and the suggested edit. Regarding the old address, am I giving them the new one, I was going to in standard letter format but I don't particularly want them to stay in touch....

 

 

Thanks again

 

 

TB

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Nope.

 

As long as you've told their client your new address (as you're stating in this letter), you can let them work it out for themselves. There's no point in making life too easy for them evil.gif

 

If their client hasn't noted your change of address, or has lost it, well, that's their own fault and they'll just have to spend another £2.50 with the DVLA to find it out. Shame biggrin.png

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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  • 2 weeks later...

Morning All,

 

Ok so we sent the above letter last week

apparently they have written back and tthe letters have crossed in the mail.

 

 

As I understand it the RK has received a notice of intention to commence legal proceedings sent to the old address.

 

Despite our offer of a reduced payment etc notice dated 1st June 2015 we haven't received payment

and will pass to our legal team and recommend legal proceedings are commenced.

 

Any advice on the next move please?

 

Many thanks

 

 

TB

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You/the RK can safely ignore that one. In fact you/they can pretty much ignore everything from now on except a form N1 (a county court claim), and I don't think they'll be going there somehow spiteful.gif

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Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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Yup, blah blah blah, all talk and no action. They dont want to do court because they know there is a good chance the RK is right and they will look very stupid as well as losing money. They only manage a couple of spots and seeing the adverse publicity in the local paper when they lose will kill their business.

That is why they are now begging.

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  • 1 year later...

Morning to you all,

 

All has been quiet since my last posts and thanks again for your help and support.

 

 

However, the RK has now received a N1 form from a county court.

 

 

The debt was sold on 11/10/2016 and letters and N1 have been sent to our old address.

 

 

The clim form is dated 28/10/16

so we have missed the 14 day deadline as only received it last night.

 

 

Ah just read there is 5 days from the 28/10 so still just in time to respond.

Does RK wish to defend the claim, admit or ask for 28 days to prepare the defence?

 

Can i use the letter above again saying all sent to wrong address and ask for case to be thrown out as might not have received all the letters?

 

Slightly panicking as suddnely seems as though the law is against the RK.

 

Many thanks for any advice you can give, will look at parking prankster in the meantime.

 

TB

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go onto the MCOL website

[see the claimform]

 

register as an individual

then log in

 

and respond to a claim

hit the [AOS] boc

 

and defend all

leave jurisdiction unticked

click thru to the end

confirm and exit MCOL

 

job done.

 

next

get a CPR 31:14 running to the claimants solicirors

 

[Your address]

.

[Their address]

.

[Date]

.

Dear Sir or Madam,

.

Re: (Claimant's name) v (Your name) Case No:

.

CPR 31.14 Request

.

On (date) I received the Claim Form in this case issued by you out of the (Name) county court.

.

I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest and counter claim 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. proof of assignment from the landlord to create contracts and make claims in your own name.

.

2.proof of planning permission granted for signage etc under the Town and Country Planning Act 2007

the contract between VCS and the landowner that assigns the right to enter into contracts with the public and make claims in their own name,

Planning Permission for their signage under the Town and Country Planning Act 2007,

copies of the notice to driver,

notice to keeper and any other correspondence from VCS or Gladstones to the defendant.

Give them 14 days to comply

.

You should ensure compliance with your CPR 31 duties and ensure that the document(s) I have requested are disclosed at your earliest convenience..

.

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 are unable to comply with this request and believe that you will never be able to comply with this request please confirm in your response.

.

Yours faithfully

.

TYPE YOUR NAME DO NOT SIGN IT

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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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

Thanks DX thats really helpful and we'll get the Q&A answeres. in your first post of today you refer to VCS, should that be changed to the relevent orignal parking company or similar.

 

Is it ok date wise, 28 october plus 14 days acknowlede, 5 serve and 14 to reply?

 

Thanks again.

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don't need to see the claimform

 

 

removed

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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timings are

 

 

19 days from date on claimform = must AOS by

 

 

33 days must file defence

 

 

the date on the claimform is ONE in the count

 

 

yes ofcourse change the parking company name!

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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post 64^^

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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don't need the claimform

do that link

get AOS done now

you are ok on timings

LIP [litigant In Persons] often make mistakes

 

 

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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Sorry DX, i thought you wanted to see the claim form as per the other thread.

 

Name of the Claimant ? MIL collections ltd, quay street truro tr1 2HE

 

Date of issue – 28 October 2016 (only received yesterday as sent to old address)

What is the claim for –

 

Charge for parking on private land

1. the claimant purchased the debt on 11/10/2016. Assignment notice sent 12/10/2016.

2 The defendent was registered keeper and /or driver of vehicle xxxx at the time.

the charge is as follows: Ref xxxx offence: failure to dispaly a valid permit. Location: Eastgate wharf lewes BN7 2AS

Date & time 28/11/2014 09.48 Vehicle make model xxxxxxx Issue date & time 23/12/2014 18:.24.47 3.

The claimant wrote to the defendent on 12/10/2016 informing of an intention to issueas summons.

No resoltion received.

The claimanat claims

1. Debt amount £160.00

2 Administration and collection fee £50. total £210.00

 

What is the value of the claim? £210

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim ? MIL Collections

 

Were you aware the account had been assigned – did you receive a Notice of Assignment?

Only last night with the other mail from old house, moved 23 months ago and informed original PCN issuer of this.

 

Many thanks

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as soon as you defend MIL will back off because they have no locus standi and the claim is fraudulent and they know it.

READ UP ON THEM, the parking pranksters blog is a good place to start

 

They havent purchased the debt and they know it.

When you send a CPR 31.14 request demand to see proof the debt exists and demand "strict proof" the debt has been lawfully assigned as well as all of the other normal contract, planning and other matters.

 

 

Let them know that you are seeking to have the matter struck out as vexatious litigation as they know that they have no locus and that you wil be seeking a full costs recovery order under CPR27(quote some of their past wrongs back to them).

better to get them to discontinue now rather than have to waste your time on a day out they arent going to attend.

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why has this been all sent to your old address?

 

have you not updated DVLA?

 

cause if you haven't

that's the more important thing to do

THEY CAN FINE YOU UPTO £1000!

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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They may have used old address if it was correct at time of event.

 

 

they will then be obliged to use that as service address until you tell them of correct addy.

 

 

If they then continue to write to old address you can make a complaint about abuse of process (probably got its own CPR number)

 

 

so make sure the AOS returned to the courts service has the correct address on it.

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Thankyou for the replies, yes DVLA updated and orignal pcn issuer also, they haave chosen to ignore that. Subsequent correspondence we reminded them of COA but didnt provide the new one and they havent bothered checking with dvla since..

 

hi, i'm on the website now doing the claim. ive put that the time from ANPR was over allowed time, been sending everyting to wrong address, DVLA knows about COA, demand to see proof the debt exists, vexatious litigation. Anything else?

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sorry

all you should have done is ack'd the claim {AOS}

so you've filed a defence too?

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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Hi DX,

 

Thanks for the message, yes, the mcol sort of led me through filing a defense/writing a little piece about the claim. I hve had an acknowledgeemtn from the court but still dont have the solicitiros details, where can i get these please so i can send

the CPR31?

 

Many thanks

 

TB

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should be on the front page of the claimform?

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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