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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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Being financially unable to pay back a charge order against my house

I have written the following letter to my water supply company requesting they apply for an order for sale to resolve the problem.

 

I realise that most people with a charge order would dread an Order For Sale but in my financial position I can't see any other way out.

 

I would rather be thrown out of my house soon rather than worry about it for decades.

 

I assume by asking the creditor to apply for an Order For Sale will overcome any court reluctance to grant one.

 

I also assume when a debtor askes to be punished then a court will punish on request.

 

Dear Sir / Madam,

 

I currently have a charge order placed against my house for water and sewerage arrears.

I am anxious to clear this as it adversely affects my credit rating and ability to obtain employment.

Living on a small private pension I am in no position to pay the charge order either by installments or a lump sum.

You wrote to me last year stating that you will take enforcement action unless I pay back the arrears.

 

I have therefore concluded that the only way to resolve this issue is for Bristol & Wessex Water to apply for an order for sale against my house.

Please advise regarding an order for sale so I can resolve this situation as soon as possible. I understand that an order for sale will eventually result in a repossession order that will allow me 28 days to vacate the property.

Please advise on your intended date of a court hearing in order to resolve this issue. I have started selling my personal posessions in order to vacate the property promptly after a reposession order has been issued.

 

 

 

 

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Sorry Mike I don't understand your reply.

 

 

My plan WILL get rid of the charge order and give me peace of mind.

 

Why do you imply otherwise?

 

Hi IMS thanks for agreeing with Mike.

 

 

OK so how would you get rid of a charge order if you didn't have the money to do it?

 

 

Do you steal money to clear your debts?

 

 

I certainly don't.

 

What do you mean by "whatever next!!!!!!!!!!!!!!!!!!" ???

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You haven't thought this through. The course of action you are proposing is not wise. Please think rationally about this and put your own needs above any futile attempt to get revenge on the utility company. You need to understand a few points:

 

It is not the charging order that is affecting your ability to get credit/employment. It is the CCJ. It is the CCJ which goes on your credit record and it will stay there for 6 years regardless of what happens with the charging order. After 6 years the CCJ will drop off your record. An order for sale does not help you because it would not clean your credit record.

 

You should not worry about the prospect of having a charging order for decades. It honestly does not matter. Lots of people have charging orders against their property for a very long period of time. It simply means the creditor will get paid when the house is sold which could be decades from now. Having a charging order which sits there and does nothing is certainly much less stressful than having to find a new place to live with no money.

 

Asking for an order for sale is foolish. The reality is that if they do the sale, the house will probably be auctioned and you are unlikely to get the best possible price. If an order for sale is necessary you will become liable for their legal fees in addition to the debt. If you have decided to sell your house in order to pay back this debt, then you will achieve a better price through a private sale by marketing the house for sale through an estate agent in the normal way.

 

I am not sure on this point, but if it looks like you asked for the order for sale, I wonder if you would be classed as 'voluntary homeless'. If you fit into this category the local council will not help home you and they will not give you a council house (even if one is available in your area, which is very unlikely - due to housing shortages people are being kept in B&Bs for months). You should get out of your head any idea that the council will quickly find you a home and let you have a cushy life on benefits.

 

Personally, I think you are overreacting. You need to learn to accept that (1) you have a debt to this company, (2) you cannot afford the debt, (3) the debt is secured by a charging order and (4) the utility company will probably move you onto a pre-payment meter. There is nothing wrong with that and hundreds of thousands of people are in the same situation. They all manage to get on with their lives without trying to make themselves homeless. The most likely outcome is that the charging order will just sit there doing nothing, with the utility company getting paid when you decide to sell the house or when you pass away.

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You haven't thought this through. The course of action you are proposing is not wise. Please think rationally about this and put your own needs above any futile attempt to get revenge on the utility company. You need to understand a few points:

 

It is not the charging order that is affecting your ability to get credit/employment. It is the CCJ. It is the CCJ which goes on your credit record and it will stay there for 6 years regardless of what happens with the charging order. After 6 years the CCJ will drop off your record. An order for sale does not help you because it would not clean your credit record.

 

This seems to imply that paying your debts is pointless. Therefore there must be something seriously wrong with the law. How on earth can a paid debt be as serious as an unpaid debt? Why does the law discourage you from paying your debts?

You should not worry about the prospect of having a charging order for decades. It honestly does not matter. Lots of people have charging orders against their property for a very long period of time. It simply means the creditor will get paid when the house is sold which could be decades from now. Having a charging order which sits there and does nothing is certainly much less stressful than having to find a new place to live with no money.

 

OK so why does my water supplier threaten me with enforcement if they have no intention to carry it out? There are no repayment terms on the CCJ or the charge order. Surely if my water supplier wait for decades for their money it won't be worth much in many decades.

 

 

Asking for an order for sale is foolish. The reality is that if they do the sale, the house will probably be auctioned and you are unlikely to get the best possible price. If an order for sale is necessary you will become liable for their legal fees in addition to the debt. If you have decided to sell your house in order to pay back this debt, then you will achieve a better price through a private sale by marketing the house for sale through an estate agent in the normal way.

 

The house is owned outright and in my name only. My wife left me over two years ago. I had a session with a solicitor regarding selling my house. The solicitor said that if I sell my house I will be in big trouble for selling my house with intention to deprive my absent wife of her half of the capital. However, if the water supplier force sell my house I cannot be held responsible for selling it to deprive my wife of her half. The blame would fall upon the water supplier and the court for ordering a sale without notifying my wife beforehand. The house is now worth about 250K and it will be interesting to see if the court order a sale for a debt of around £1,900.

 

I am not sure on this point, but if it looks like you asked for the order for sale, I wonder if you would be classed as 'voluntary homeless'. If you fit into this category the local council will not help home you and they will not give you a council house (even if one is available in your area, which is very unlikely - due to housing shortages people are being kept in B&Bs for months). You should get out of your head any idea that the council will quickly find you a home and let you have a cushy life on benefits.

I worked in well paid employment for 30 years, bought my house outright and have never claimed any benefits. However, I now seem to be punished by the system for doing so. If I had lived a cushy life on benefits I couldn't possibly have a charge order because I wouldn't own any property. Now if the court grant an order for sale I cannot see how requesting this can go against me. Orders for sale are granted to the creditor on application irrespective of the debtors opinion.

Personally, I think you are overreacting. You need to learn to accept that (1) you have a debt to this company, (2) you cannot afford the debt, (3) the debt is secured by a charging order and (4) the utility company will probably move you onto a pre-payment meter. There is nothing wrong with that and hundreds of thousands of people are in the same situation. They all manage to get on with their lives without trying to make themselves homeless. The most likely outcome is that the charging order will just sit there doing nothing, with the utility company getting paid when you decide to sell the house or when you pass away.

....
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I've been reading this thread for a while and trying to work out where your going with this. .... Because all advice is rejected.

 

So reading between the lines.

You can't sell the house on the open market because your wife would find out and you would have to pay her half.

 

But you think by the water co. selling the house you can get around this. "The blame would fall on the water supplier".......

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This seems to imply that paying your debts is pointless. Therefore there must be something seriously wrong with the law. How on earth can a paid debt be as serious as an unpaid debt? Why does the law discourage you from paying your debts?
It is a decision made by credit reference agencies. If a CCJ is awarded against you, the credit reference agencies will record that for 6 years (though it falls off if paid within the first 28 days). If you pay the debt after 28 days it will be marked 'satisfied', which is better than 'unsatisfied' I suppose, but the CCJ will still remain on your record.
OK so why does my water supplier threaten me with enforcement if they have no intention to carry it out? There are no repayment terms on the CCJ or the charge order. Surely if my water supplier wait for decades for their money it won't be worth much in many decades.
Its pretty common for people to be threatened with enforcement, which can mean many things. The reality is that they are very unlikely to get an order for sale over a small amount. The amount will however be accruing interest at the rate of 8%.
The house is owned outright and in my name only. My wife left me over two years ago. I had a session with a solicitor regarding selling my house. The solicitor said that if I sell my house I will be in big trouble for selling my house with intention to deprive my absent wife of her half of the capital. However, if the water supplier force sell my house I cannot be held responsible for selling it to deprive my wife of her half. The blame would fall upon the water supplier and the court for ordering a sale without notifying my wife beforehand. The house is now worth about 250K and it will be interesting to see if the court order a sale for a debt of around £1,900.
I'm not sure about that advice. I don't think its correct to say that there is any issue with selling the house. The point is that under the normal allocation of assets on divorce your wife would end up with half, so if it was sold she would be able to claim half the proceeds. There would only be an issue if you tried to hide the proceeds in an offshore bank account or something like that. Honestly I don't think you should be too concerned about this aspect. Selling the house because you need to pay off a debt is a perfectly justifiable position.

 

However I still take the view that a sale of your house would be an overreaction to a relatively small debt. It sounds like being in debt is a new experience for you and you are struggling to cope. You should take comfort from the fact that many hundreds of thousands people are in the same position, some through no fault of their own. I would suggest getting in touch with nationaldebtline to discuss your options.

I worked in well paid employment for 30 years, bought my house outright and have never claimed any benefits. However, I now seem to be punished by the system for doing so. If I had lived a cushy life on benefits I couldn't possibly have a charge order because I wouldn't own any property. Now if the court grant an order for sale I cannot see how requesting this can go against me. Orders for sale are granted to the creditor on application irrespective of the debtors opinion.
Requesting an order for sale is unwise because (1) you'll be liable for the legal costs caused by the application and (2) you won't be in control of the sale process, hence the house is likely to be sold for a lower price than you would be able to achieve if you sold the house through an estate agent in the normal way.

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Today I received a reply from my water supplier as shown below.

 

Thank you for your email received on 14 June 2014.

 

I understand you would like us to apply for an order for sale for your property. This is something Bristol Wessex Billing Services Ltd will not do. The charge secures the debt for us and we are happy to wait for the debt to be paid.

 

I can accept a very small payment to cover this debt. This could be as little as £1.00 a month. If you would like to set an arrangement please call me on the number below.

 

This is interesting because it proves that their threats of further enforcement are simply carried out to cause stress and worry as a kind of mental cruelty.

 

Also if I take up their offer of paying £1 per month,then paying off the charge order will take around 158 years !!!!

 

Surely this is madness. I know people are living longer but surely not that long.

 

In 158 years time I will be 215 years old !

 

I've been reading this thread for a while and trying to work out where your going with this. .... Because all advice is rejected.

 

So reading between the lines.

You can't sell the house on the open market because your wife would find out and you would have to pay her half.

 

But you think by the water co. selling the house you can get around this. "The blame would fall on the water supplier".......

 

Yes because my wife's divorce solicitor can't accuse me of selling the house under her nose if there is a forced sale and auction instigated by the water supplier and the courts. I can't possibly be accused of selling something I haven't sold. I have also recently discovered that charge orders shouldn't be issued if there is a marriage breakup or divorce underway.

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Today I received a reply from my water supplier as shown below.

 

Thank you for your email received on 14 June 2014.

 

I understand you would like us to apply for an order for sale for your property. This is something Bristol Wessex Billing Services Ltd will not do. The charge secures the debt for us and we are happy to wait for the debt to be paid.

 

I can accept a very small payment to cover this debt. This could be as little as £1.00 a month. If you would like to set an arrangement please call me on the number below.

 

This is interesting because it proves that their threats of further enforcement are simply carried out to cause stress and worry as a kind of mental cruelty.

Also if I take up their offer of paying £1 per month,then paying off the charge order will take around 158 years !!!!

Surely this is madness. I know people are living longer but surely not that long.

In 158 years time I will be 215 years old !

 

I doubt it...... You'll be dead and buried , but the Water co. will get their money then.

 

That's very kind of them. 25p per week is within any ones budget !!!

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I think you should just pay them the 1 a month they are looking for.

 

If you want to sell the house, you are still free to do so. There is no real reason why you can't sell property while divorce proceedings are going on. The fundamental point is that if you did sell, the ex-wife would generally be able to get half the sale proceeds. Most divorce disputes are exactly the opposite of your situation: generally, the partner who is left wants the house to be sold so that they can get their money, instead of the money sitting as equity in someone else's house which is totally useless to them. Of course the most conservative approach would be to agree what should happen with the wife's solicitor.

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I think you should just pay them the 1 a month they are looking for.

 

If you want to sell the house, you are still free to do so. There is no real reason why you can't sell property while divorce proceedings are going on. The fundamental point is that if you did sell, the ex-wife would generally be able to get half the sale proceeds. Most divorce disputes are exactly the opposite of your situation: generally, the partner who is left wants the house to be sold so that they can get their money, instead of the money sitting as equity in someone else's house which is totally useless to them. Of course the most conservative approach would be to agree what should happen with the wife's solicitor.

 

Hi Steampowered and thanks for your reply.

 

 

Maybe paying £1 per month would prevent my water supplier from applying for an order for sale however.

they have stated that they won't do that anyway.

Therefore what's the point of paying any instalments?

 

My absent wife hasn't registered an interest on the land registry regarding the house

 

so I could legally sell it and run away with all the money.

 

 

If I were to do this I assume I would have to hide all the money in cash so there would be no trace as to it's location.

 

 

Why my wife hasn't registered her interest on the land registry I just don't know.

 

 

A very strange an unusual situation indeed.

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Hi Steampowered and thanks for your reply. Maybe paying £1 per month would prevent my water supplier from applying for an order for sale however. they have stated that they won't do that anyway. Therefore what's the point of paying any instalments?

Stops them chasing you further.

 

My absent wife hasn't registered an interest on the land registry regarding the house

so I could legally sell it and run away with all the money. If I were to do this I assume I would have to hide all the money in cash so there would be no trace as to it's location. Why my wife hasn't registered her interest on the land registry I just don't know. A very strange an unusual situation indeed.

This is the bit that could get you into trouble if she goes ahead with asking the court to make an order about your respective assets. Not the actual selling of the house, the hiding of the money.

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Stops them chasing you further.

 

This is the bit that could get you into trouble if she goes ahead with asking the court to make an order about your respective assets. Not the actual selling of the house, the hiding of the money.

 

Yes indeed and should that happen I could claim that I had spent all the money on wine, women and song.

No court can freeze cash assets if the location of the cash is unknown. I know that a court can freeze a bank account when assets are in the account. However if the account contains little or no money the court can't really do anything.

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Yes indeed and should that happen I could claim that I had spent all the money on wine, women and song.

No court can freeze cash assets if the location of the cash is unknown. I know that a court can freeze a bank account when assets are in the account. However if the account contains little or no money the court can't really do anything.

Worst case scenario is that the court makes an order for you to disclose information about where the money went, and then jails you for contempt of court when you fail to comply.

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Worst case scenario is that the court makes an order for you to disclose information about where the money went, and then jails you for contempt of court when you fail to comply.

 

The court has to prove I am guilty and not my job to prove my innocence. Saying I spent the money on wine, women and song is disclosing where the money went. The court would then have to prove that I was hiding the money. How could the court prove I was hiding money when they have no evidence at all?

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The court has to prove I am guilty and not my job to prove my innocence. Saying I spent the money on wine, women and song is disclosing where the money went. The court would then have to prove that I was hiding the money. How could the court prove I was hiding money when they have no evidence at all?
You'd have to disclose bank statements and so on. The English legal system has very strong tools to require disclosure of evidence before any decision is made about guilt.

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You'd have to disclose bank statements and so on. The English legal system has very strong tools to require disclosure of evidence before any decision is made about guilt.

 

Yes I agree with you.

 

 

However, if the money has been drawn out of the bank and spent in cash then the court is stuffed.

 

Once it's spent and gone then it's spent and gone and that's that.

 

This is why the Government want a cashless society so they can track all transactions.

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  • 4 months later...

I have just received another threat letter from Bristol & Wessex Water

stating if I don't pay the debt they will take further enforcement action.

 

I wrote back and asked them what further enforcement action do they intend to take

despite them stating previously that they would not apply for an order for sale.

 

The letter also states that I am not allowed to sell my house until the debt is paid.

 

I told them that no court would grant an order for sale for a debt less than £10,000.

 

I also said that I would enter into a repayment plan as long as they remove the charge order.

 

Bristol & Wessex Water haven't replied.

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  • 2 weeks later...

About 2 1/2 years ago my water supply company placed a charge order on my house for a debt of around £1,900.

 

I recently received a letter from my water supply company

stating that they will take further enforcement if I don't enter into a repayment plan.

 

I contacted the company who said they can apply to the court for an attachment to earnings.

 

I found that puzzling because an attachment to earnings was never applied for

when the original CCJ was issued and I thought that the charge order secured the debt against my house.

 

 

Now if they are correct in saying that they can obtain an attachment to earnings,

then why didn't they do that rather than obtaining a charge order in the first place?

 

They also informed me that they can obtain an attachment to employment earnings

or have money deducted from benefits but cannot obtain money from someone living on a pension.

 

 

Does anyone know if that is correct?

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  • 2 months later...

I have a charge order on my house for nearly £2000 from Bristol and Wessex Water.

 

 

They recently sent me a letter asking for the debt to be paid in full.

 

I am on a low income and in no position to pay the debt.

 

They said that they will take further enforcement action to force me to pay the debt.

 

I am puzzled because the charge order secures the debt against my house.

 

Why would they need to take further enforcement action when they have secured the debt?

 

I rang them and they told me that they could apply for an attachment to earnings

or benefits to recover the debt but not recover it from a pension.

 

I am living on a private pension so I assume they cannot recover the debt until the house is sold.

 

Is this correct?

 

 

Any advice would be appreciated.

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you are correct.

 

 

tell about this debt

 

 

a bit more history 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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