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    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
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    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
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HPH2/Cohen claimform - old Abbey OD from 1992


RMS
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small claims since 2013 has had a 10k limit

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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Well, the defence is in. So now we wait and see what happens.

 

As soon as there is some news/development, I will come back and post it, as promised.

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I had the letter from the court acknowledging my defence and that it will be submitted to Cohen/Hoist.

 

 

I sent the wrong CPR form off originally, but no reply to that.

 

 

I realised a few days after and sent the right one for overdrafts, so I'll know by the end of the week, whether they're going to respond or not.

 

I imagine they are quite surprised that someone who has never been in contact with anyone for the best part of six years, suddenly crawls out of the woodwork and starts replying to all the court stages and sending them requests.

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I see you've read numerous threads on like issues.

 

 

thus you need to be aware they don't 'have' to reply to your CPR request.

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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Yes, I realise they don't have to reply and it does look like they're not going to. It's well over due for both requests by now.

 

When does the claimant's 28 days finish, to proceed to court after my defence? Is it from the date of the letter I have from the courts .acknowledging my defence and it being served on the claimant.

 

Is there anything online or is it just a case of waiting for a letter from the courts?

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Yes, I realise they don't have to reply and it does look like they're not going to. It's well over due for both requests by now.

 

When does the claimant's 28 days finish, to proceed to court after my defence? Is it from the date of the letter I have from the courts .acknowledging my defence and it being served on the claimant. Yes

 

Is there anything online or is it just a case of waiting for a letter from the courts?

No MCOL has now ended

 

Regards

 

Andy

 

We could do with some help from you.

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The defence date was three weeks ago, when does the 28 days start from, is it 5+28 again? If nothing happens, what and when would I need to be doing something, like contacting the court?

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the claim will prob become 'stayed'

 

so the next move is the claimants - should they wish to proceed:madgrin:

 

 

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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Share on other sites

Okay, it's 28 days since my defence and nothing heard. I gather it's a few more days and then some time for the court to catch up with any backlog.

 

When should I be contacting the court to see the status of the claim? What is the actual status of a stayed claim, is it just in limbo land, half asleep, that the other party can restart again, when ever the mood takes them?

 

How do I go about getting it put to bed, killed off once and for all?

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as post 33

 

 

theres nowt more you can do.

 

 

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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as post 33

 

 

theres nowt more you can do.

 

 

dx

 

It can't just sit there for an eternity. The claimant must have to take some action within a certain time frame, which I though was 28 days. It can't just sit at the court indefinitely, I must be able to apply to get it concluded and thrown out?

 

I'm sorry, but I refuse to believe that there is nothing I can do.

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:madgrin:well that's the way things are once the 28days have passed

 

 

cohen will have to pay more pennies to progress their speculative claimform, which they hoped would sneak thru as a rubberstamped undefended daulted judgement

you up set their fleecing game by defending:lol:

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

It can't just sit there for an eternity. The claimant must have to take some action within a certain time frame, which I though was 28 days. It can't just sit at the court indefinitely, I must be able to apply to get it concluded and thrown out?

 

I'm sorry, but I refuse to believe that there is nothing I can do.

 

You can make application and ask that it proceeds....do you really want to?

 

Andy

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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You can make application and ask that it proceeds....do you really want to?

 

Andy

 

No, I want to make an application that it has run its course and has now finished and can't be restarted again, next time they feel like it.

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Its not started its course as yet....only when its allocated to track does it become a live claim...at the moment its no more than a speculative claim....and a stayed claimed invariably locks it.

The only application you can make is to lift the stay and proceed to allocation.

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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Its not started its course as yet....only when its allocated to track does it become a live claim...at the moment its no more than a speculative claim....and a stayed claimed invariably locks it.

The only application you can make is to lift the stay and proceed to allocation.

 

Hi Andy

 

 

Do you see many of the claims go through to allocation?

 

 

like the OP on this thread I am now nearing 28 days (heard nothing yet),

and wonder if the 'debt/claim' continues to sit in the background for ever, whilst a 'Stay' invariably locks it,

is it only this place in time and not the future, to be unlocked by a.n.other as the debt gets sold on again...

 

 

Sorry to piggy back this thread, but reading it with interest :-) Thanks FDAO

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Sorry to piggy back this thread, but reading it with interest :-) Thanks FDAO

 

No problem, you're asking the same question I am.

 

 

What does stayed mean in reality, is that the end of it forever,

 

 

or will it start up again any time,

 

 

and can I do anything to finish off, once and for all.

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No problem, you're asking the same question I am.

 

 

What does stayed mean in reality, is that the end of it forever, - no

 

or will it start up again any time, - could do but rare

and can I do anything to finish off, once and for all.

 

 

see FDAO thread andy has already answered.

 

 

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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Share on other sites

Stayed claim...the claim has stalled........rested....parked...could be for a short period...the claimant has attained the relevant docs and wishes to proceed...could be stayed for longer..(I have known 3 years)...but not until the claimant makes application does it start to proceed again...and the longer its left the harder it is to resurrect it.

 

RMS...I cant really explain it any more simplified than I have already...there is nothing to finish off......its a speculative paused parked claim.

 

The only way to get rid it forever is to pay it.

 

Regards

 

Andy

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

If you want advice on your Topic please PM me a link to your thread

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Okay, just spoken to the court today, as it's 38 days since defence. Women on phone was a bit vague, but says questionnaire was sent out 26th May and I should receive it tomorrow. I asked if that meant that they'd sent documents to proceed, she said yes, but was a bit vague, like she didn't actually know what she was answering.

 

What can I expect from the questionnaire and what will be the next steps from here? I am surprised that they are going forward with this one, as the original paperwork will be long gone.

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hi When you say questionnaire what do you mean? Also - why did you call the court?

 

Not having been in this position before, I wasn't aware if they wrote to you, or you were just meant to guess what had happened. So I called Northampton to find out what the status of the claim was.

 

From memory (I was on the other side of the fence, last time I went through this), it asks you which court you want and if you will consent to mediation, amongst other things. It could be the claimant playing poker, as it doesn't cost anything to do this. If mediation fails or I don't agree to it, then they have to pay again (if I were to lose, I'd end up paying this) to actually take it forward to court.

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out of curiosity if you lose, I take it that you end up paying the 'debt'?

 

Unfortunately ...yes plus a CCJ on your file for 6 years.

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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