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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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CCJ while I was abroad! How do I go about getting it set aside?


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A CCJ has been set against me while I was abroad by the Northampton county court.

The judgment was made in February 2015

 

 

I have been living in Paris since September 2014.

 

 

I only found out about this after I checked my credit file.

The amount is for £609.

I intend to have this set aside by making a N244 application.

 

At the moment I am thinking that I will base my defence on the fact that I was not served the court papers

due to the fact that I didn't recieve the court papers as I am living in Paris.

So I wasn't given the opportunity defend or dispute the claim.

 

 

Crucially, I was also denied the opportunity to settle the claim within 28 days which would have had the claim set aside automatically.

I can prove that I have been living in Paris.

 

Any help on or insight will be greatly appreciated.

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Follow the setaside link to see what you should do.

 

However, the defence that you are suggesting is not defence at all and it won't help your application.

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You cannot request a set aside on those basis if you cannot prove that you told your creditor where you moved to.

 

You would also need another defence as well for it to have a chance of succeeding

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Did you divert your mail? Did you have anybody in the UK dealing with your affairs?

 

Because you have moved and did not have your mail forwarded, you will most likely fail on a set aside. Best course would be to pay and wait 6 years for the ccj to come off your record. But make sure its marked as satisfied once paid. That's as good as removed completely. No one cares about paid ccjs.

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A CCJ has been set against me while I was abroad by the Northampton county court. The judgment was made in February 2015 and I have been living in Paris since September 2014. I only found out about this after I checked my credit file. The amount is for £609. I intend to have this set aside by making a N244 application.

 

At the moment I am thinking that I will base my defence on the fact that I was not served the court papers due to the fact that I didn't recieve the court papers as I am living in Paris. So I wasn't given the opportunity defend or dispute the claim. Crucially, I was also denied the opportunity to settle the claim within 28 days which would have had the claim set aside automatically. I can prove that I have been living in Paris.

 

Any help on or insight will be greatly appreciated.

 

Did you know about this debt before leaving the country and should therefore have advised creditors that you had moved abroad.?

 

You can apply for the set aside using the n244 form and paying the fee which I think is £155, you would simply say that you were resident in Paris France at the time the claim was sent to a UK address and only found out about the judgement on your return to the UK on x date.

 

Normally you give a reason for defending the claim at a hearing. E,g the creditor had not issued you with a demand for payment or whatever. Just saying you were not in the country might not be enough.

We could do with some help from you.

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No, I was not aware of this debt before i left the country. I had not received any correspondent so no reason to inform them about my move abroad.So i had no idea i was being chased for this debt.

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ok do you know what the debt is for now?

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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WHat is the debt for and who got the ccj?

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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So you were aware the debt existed before moving....

 

I do not foresee a DCA simply agreeing to a set aside...

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Yes I was aware that the debt existed before moving. For a long period of time I had not heard about anything about the account.

 

As for seeing if a DCA would agree to set aside, I was thinking that maybe I would ask them to support my set aside on the condition that I would settle the account in full if they did so.

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I would suggest there were reasons why they were set aside.

 

EG statute barred before the claim was issued.

Or proof that the creditor knew the debtors true address

Or some other substantial reason they could ask for a set aside.

 

By all means, ask them.

 

There may be other ways to skin a cat.

 

Any late payment charges on the store card, or insurances?

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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I don't know of any late payment charges or insurances, will have to enquire into that. So even if use the fact that I had no correspondence with Arrow Global and there had no reason to expect legal proceedings, that still may not be a good enough defence?

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nope

 

As you were aware the debt existed and failed to inform the creditor of your new address.

 

They would of served ot the last known address as they are entitled to do so.

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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I am also planning on contacting the DCA to see if they will agree to having the CCJ set aside.

If you're going to pay it anyway then that would be my option to approach claimant and seek their agreement to a consent order to set aside judgment and discontinue the claim on the condition that once granted you then pay them.

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If you're going to pay it anyway then that would be my option to approach claimant and seek their agreement to a consent order to set aside judgment and discontinue the claim on the condition that once granted you then pay them.

 

Thanks. I think I will go ahead with this route before filing a N244.

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Thanks. I think I will go ahead with this route before filing a N244.

What I'd do is send claimant a letter along the lines that you intend to make application to set aside the judgment and that given the circumstances in which the default judgment was obtained you believe that such an application will be successful with costs, however given the amount claimed and the further costs that will undoubtedly incur for both parties should it be necessary to make application and attend a hearing, you are prepared (on a without prejudice basis and strictly without any admittance of liability) to settle the claim in full on the condition the claimant consent to set aside default judgment and discontinue the claim.

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