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    • Thanks London  if I’ve read correctly the questionaire wants me to post his actual name on a public forum… is that correct.  I’ve only had a quick read so far
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    • In both versions the three references to "your clients" near the end need to be changed to "you" or "your" as Alliance are not using solicitors, they have sent the LoC themselves. Personally I'd change "Dear ALLIANCE PARKING Litigation Dept" to "Dear Kev".  It would show you'd done your homework, looked up the company, and seen it's a pathetic one-man band rather than having any departments.  The PPCs love to pretend they have some official power and so you should be scared of them - showing you've sussed their sordid games and you're confident about fighting them undermines all this.  In fact that's the whole point of a snotty letter - to show you'd be big trouble for them if they did do court so better to drop you like a hot potato and go and pursue mugs who just give in instead. In the very, very, very, very unlikely case of Kev doing court, it'd be better that he didn't know in advance all the legal arguments you'd be using, so I'd heavily reduce the number of cards being played.
    • Thanx Londoneill get on to it this evening having a read around these forums I can’t seem to find many success stories using your methods. So how successful are these methods or am I just buying time for him  and a ccj will be inevitable in the end. Thanks another question is, will he have to appear at court..? I am not sure he has got it in him
    • Here's a suggested modified version for consideration by the team. (Not sure whether it still gives too much away?)   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you added. Shall we raise the related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding parking periods. Especially with no consideration of section 13 in your own trade association's code of practice and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked, unmanaged over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the above issues and more, with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture a couple of useless ANPR photos. If you insist on continuing this stupid, money grabbing quest, after having all of the above pointed out, we will of course show this letter to the Judge and request “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Signed, "Spot". (Vehicle Keeper's pet Dalmation).
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MKDP HSBC bank account CCJ - help needed set aside please?


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Hello everyone sorry to bother you all

 

I've been searching online and have come across this amazing site and fingers crossed

I'm hoping someone will be able to help and advise me on

 

how to proceed with a CCJ that I've just had put onto my credit file.

 

The debt is for £3300 and states the judgement date was 26th January 2015 but was only added to my credit file yesterday.

 

This debt is for a very old HSBC bank account debt that went into default on the 5th November 2009 for £3145

 

and now looks like MKDP LLP have purchased the debt

 

I've heard nothing from them at all and moved into my new house in july 2014.

so would not have received any court papers.

 

I'm just looking for some legal advice on what id need to do to get this sorted

it was due to come off in November this year so they got in before the 6 years and

 

i can't afford to have this on my file as I've been trying so hard to sort my life out and it seems everything is now coming back to bite me

 

I have also noticed a new company have applied a default to my credit file called MYJAR for £692

it looks like its for a old payday loan from txt loan from 2012-2013 again in my old address

 

but i defaulted 2-3 years ago and its only just been put on my credit file

and the default date is missing is this allowed as its showing on my file

as if I've only just started missing payments ?

 

Any help would be amazing and id be very grateful

Edited by Andyorch
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Did you inform HSBC of your change of address ?

We could do with some help from you.

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opps

that's why MKDP got the CCJ then.

 

 

for the myjar debt start a new thread

 

 

in the payday loan forum

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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  • 4 months later...

Hello again

 

i have a set aside hearing set for Thursday 3rd September 2015 in my local court

 

today iv'e had a large letter that was sent special delivery delivered this morning with MKDP LLP witness statement and evidence etc

 

showing bank statements from HSBC

showing me last using the account 11/02/2009 but allowed the account to keep on running with no money coming in

and they defaulted and closed the account down 9 months later on 02/11/2009

allowing around £900 in charges and interest to be applied to the account even though i was in financial hardship

 

. I was not aware of this when i issued the set aside application because HSBC responded to my S.A.R request last month

and stated they had no information for me on the accounts.

 

Had i known about the charges i would have contested it on them grounds also

 

There is also a number of things they have listed in there statement that i don't agree with and could do with some help please if possible.

 

I have made a appointment with a local soliciter at 10am tomorrow for a 1 hour meeting they want £180 to look through my paperwork etc which i really dont have

 

so what do you guys think is it worth another £180 or just cut my losses and give up and set up a payment plan ?

 

Any help would be grateful

 

Thanks

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Thanks for the quick response ill sort out scanning it all now with regards to the solicitor im assuming so from what it shows online i had a 5 min chat on the phone and seemed very clued up

Edited by theoldrouge
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You don't need a sols cancel it

 

Waste of money

 

It might have been better to have sought our advise before actioning the set aside

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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Hey all might not be lost...

 

Follow the upload

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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No good jpg

Pop them all into a word doc

Then file

Save as PDF

 

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

if you could possibly take a look at everything for me id be extremely grateful on your thoughts

also with regards to charges etc

 

 

iv'e now noticed that HSBC were also charging me TEXT MESSAGE BANKING

at £2.99 & £2.50 each time from feb 09 to oct 09 so 8 months and

 

 

also applied a overdraft arrangement fee something i never would have asked for

as i was not using the account due to problems and that was another £25

 

 

from February 09 - nov 09 when the account was not being used due to financial problems

they applied £715.26 in charges and interest etc

surly thats wrong to keep it open for 9 months allowing that to happen ?

 

With regards to the witness statement from MKDP

- she writes 28.

draws to the courts attention that the application was made by the defendant 1 year, 4 months and 11 days after the judgment had been entered

and therefore the application has not be brought promptly

-

They got granted a default judgement against me in January 2015 - it was only 6 months to report it to the courts

- again a mistake on her part by saying it was 1 year 4 months and 11 days

 

Also section 6.

It states i was sent final demand letters by HSBC

- yet it clearly shows on them 2 letters they have provided that in fact were issued to a address that was not even linked to my HSBC account

i used to live at that address before i lived in the one they had my account registered to- its a joke and full of mistakes

 

section 23.

She states MKDP did everything possible to trace me once on the 17th October 2013 and again on christmas day 2013

very strange day to trace someone for money on Christmas day but i guess thats how MKDP like to operate lol

both traces showed negative results.

 

 

the claimant therefore had no reason to suspect the defendant was not residing at the address

and has made reasonable efforts to ascertain the address of the defendants current address ????

 

 

they're stating they tried twice - 12 weeks apart from each other and couldn't confirmed if i lived there or not

- thought what the hell ill send it there anyway.

 

 

Yet they waited well over a year before the took me to court because if they had done a trace before they took me to court

i was clearly listed on the voters roll at my new address and i would have responded

- i don't think they have made a reasonable effort to locate me.

 

 

Even though they did a AUDIT check on my credit report on the 16th December 2014 which has now vanished and they fully deny doing.

 

Also should the assignment from HSBC to MKDP not be on HSBC letter headed paper as it looks to me like MKDP have made it them selves ?

 

i'm sorry for the long response but if you can help in anyway id be such a happy man

 

 

 

The judgment was issued against me 7 months ago in January 2015 so why is she trying to make out its completely different ???

Edited by dtlewis2015
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stuff all that for the minute

whats this cheque they are going on about that negates the SB date?

 

 

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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Thanks DX

 

it was at that point in my life i was struggling with my finances and used a company called cash generator

who gave me a cash loan using a number of cheques and my guarantee card

 

they were always rolled over every month until i couldn't afford to do it anymore

 

and it looks like cash generator cashed 3 cheques which all bounced

 

the cheques were never dated by me as they were left blank

 

it was cash generator who dated the cheques

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when did you give them those cheques roughly

me thinks they don't count.

 

 

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

when did you give them those cheques roughly

me thinks they don't count.

 

 

dx

 

Just had a look at the statements they have provided the last transaction before the cheques were cashed was the 11/02/2009 so which would still make it under 6 years old :(

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what transaction type was it

 

 

you'd have to be clear from 10/12/08of transaction from/to/by you for it to be sb'd..

 

 

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

what transaction type was it

 

 

you'd have to be clear from 10/12/08of transaction from/to/by you for it to be sb'd..

 

 

dx

 

 

 

 

Thanks for the info

 

 

well looks like iv'e well and truly wasted my time and money

 

 

iv'e lost fully on the SB'D

there are loads of transactions from December 08 to January 2009 i

.e wages paid in

debit card payments etc

so is that now the end of it no more options ? :!:

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now that the info is up and the story complete

for want of abetter word

 

 

i'll let those far most intelligent & legally minded

to indicate ways you might be able to mitigate your issues

 

 

I'm sure they will look in on this thread soon.

 

 

sit tight.

 

 

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... 

Link to post
Share on other sites

now that the info is up and the story complete

for want of abetter word

 

 

i'll let those far most intelligent & legally minded

to indicate ways you might be able to mitigate your issues

 

 

I'm sure they will look in on this thread soon.

 

 

sit tight.

 

 

dx

 

Thank you for all your time and help its much appreciated

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Will take a look at your thread later this evening dtlewis2015

 

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

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Okay dtlewis......having digested the details of your thread...not all is lost just yet.

 

Their Witness Statement in opposition to your application is a very good to attempt to persuade the court that they know all there is to know about this debt...and basing their responses on the main thrust of your application claiming that debt was / is statute barred at the time the claim was issued...knowingly that it isn't and cant be the case because of the last transactions as per the last statement... IE December 08 to January 2009 as the claim was issued December 2014 .....so forget the Statute barred route...the cheque issued Feb 2015 is irrelevant.

 

So what else do we have....unfair charges ...errors in procedure....delay in defaulting......errors the way it was defaulted.Now you must submit a witness statement in response and this needs to be submitted not less than 7 days pre hearing (3rd Sept) so we only have 6 days left......don't concern yourself on that for now...wont be a problem.

 

As for the content of the WS well you need to divert the judge away from the SB argument and get him to concentrate on the procedural errors not only by the claimant but also by the Bank and show sufficient argument to deny their WS and show that you can offer a defence with reasonable justification as to why the claim should be set a side and that their are triable issues.

 

Wont be easy and could be quite a complex WS...but hey as you have paid the fee and the hearing is happening...may as well give it the best shot..there is nothing to lose.

 

I will take a look at this tomorrow for you...and it must be emailed to the court and claimant by Sunday ...no later.

 

I would suggest you now take a break as its Friday evening ( I note you have been here most of the day) and spend what time is left with your family and try to relax.

 

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

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