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    • That is a big improvement Dave and I do agree that it s best to leave it till the last moment to prevent VCS from countering your WS. [usually using doubtful logic that can't be easily argued against in a Court atmosphere] However my first post [no. 32] about the contract is the one that really exposes Jake's flummery and calls into  question jost how close he comes to committing perjury. And that is what hopefully VCS will not want questioned by a Judge. 
    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)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; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
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Hoist/? Claimform - Santander Loan 'debt'***Claim Discontinued***


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No remove the PoC that's just for cross reference when checking....may as well submit it now.

 

Regards

 

Andy

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  • 2 months later...

It means its stayed (parked/paused) louie....and will remain that way until/if the claimant wishes to proceed.

 

Regards

 

Andy

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They had 28 days to respond to your defence....otherwise the claim is automatically stayed......they can make application in the future to lift the stay...so please retain all the paperwork safe for any future developments.

We could do with some help from you.

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  • 9 months later...

Hi again,

as you know they didn't respond to my defence last year and didn't hear a peep until today.

 

I have just received a letter from howard cohen referring to my defence from last year and enclosing documentation of the agreement, transaction summary & a default notice template (nothing with my personal details on).

 

They state that as this confirms existing liability that their client will consider any reasonable offer to discharge the debt claimed in these proceedings.

They state after 14 days that they will seek their clients instructions to apply for judgement to be entered against me.

 

Help Please,

 

what does this mean and what shall I do?

Edited by dx100uk
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Basically it means they have created template versions to fit their claim...in hope that it will frighten you into withdrawing your defence and the threat that they will seek judgment.

 

Not quite that simple...they have to make application to lift the stay...if they wish to ask the court to strike out your defence and request summary judgment then then need to provide the original documents..not reconstituted versions...

 

Oh and they will have to pay further fees to proceed...so ignore them and see if they do wish to make application to proceed.

 

Regards

 

Andy

We could do with some help from you.

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Ah I see..... I was responding to following you you just stated....

 

" I have just received a letter from howard cohen referring to my defence from last year and enclosing documentation of the agreement, transaction summary & a default notice template (nothing with my personal details on) "

 

If the agreement has your signature on then they are good to proceed and request Summary Judgment...so in that instance it may be wise to negotiate with them.

We could do with some help from you.

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  • 2 years later...

Hi,

I know this is a real old thread but they have appeared again .

 

I have today received a general form of judgement or order that says the court will deal with the application to lift the stay without hearing and that the application to lift the stay and issue direction questionnaires is granted,

 

I have only 12 days to fill in some questionnaire and no idea what to do.

There are also copies of the agreement with signatures on,

what does this all mean and what should I do??

Please help

 

Edit - Also this is now from Hoist Finance Uk Holding 2 Ltd

Edited by dx100uk
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is this an N244?

 

and when was your last payment?

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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Directions questionnaire N180

 

Yes to mediation

Yes to small claims track

State your local county court

1 witness yourself

 

The rest is self explanatory...run 3 copies...file with the court by the date stated and serve a copy on the claimants sols....retain 1 for your file.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?406099-LEGAL-N180-Directions-Questionnaire-(Small-Claims-Track)-**Correct-at-Sept-2016**

 

Andy

  • Like 1

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is this an N244?

 

and when was your last payment?

 

I don't think its a N244, its asking for form N180 to be filled out and saying that a copy of their defence has been received along with copies of all paperwork original credit agreement, payment summary, notice of assignment, default notice, direct debit mandate!

 

My last payment to them was October 2009 but i believe they started court proceeding originally before it became statue barred then the case was stayed until now

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Actually in looking again I think it is an N244 that Howard & cohen have filled in on behalf of Hoist Finance. Does this change things? Should I still fill in N180 and wait it out, what is the likely outcome?

 

I don't think its a N244, its asking for form N180 to be filled out and saying that a copy of their defence has been received along with copies of all paperwork original credit agreement, payment summary, notice of assignment, default notice, direct debit mandate!

 

My last payment to them was October 2009 but i believe they started court proceeding originally before it became statue barred then the case was stayed until now

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Already advised you what you need to do in my last post.....their application has been allowed and the claim is proceeding.If you dont complete and submit the DQ by the date stated your defence will be struck out and you will have a CCJ.

We could do with some help from you.

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  • 1 month later...

Hi, so I’ve had a message left from the small claims mediation team to ring and make appointment which I will do today. Is it worth me making a settlement offer now or leaving it until mediation? I’ve paid them nothing in 10 years, their claim is for £8500 & they’re last letter offering settlement to me asked for £5500 then I received another saying any reasonable offer would be considered.  What would be considered a reasonable offer at this stage please? Thanks so much in advance

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Hold on with any ideas of settlement for now...you can settle up until trial date or even at the trial.......go through mediation for now then we will move on to the next stage...as mediation will not happen anyway.

Andy

  • Thanks 1

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On 07/03/2019 at 12:17, Andyorch said:

Hold on with any ideas of settlement for now...you can settle up until trial date or even at the trial.......go through mediation for now then we will move on to the next stage...as mediation will not happen anyway.

Andy

 

I have mediation call

booked for Thursday, I know you don’t think this will happen but I’m worried in case it does and I’m unprepared. I have no idea what I should be saying &

not saying, whether I should admit to the debt etc the email says I will be asked to clarify my opening position that I should briefly & accurately explain my claim

or defence? Any advice would be so much appreciated please

 
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so everything is in order re the paperwork??..bar the default notice being just a template..without any proof of when the original creditor sent it??

 

urm..2nd one like that this week

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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8 minutes ago, dx100uk said:

so everything is in order re the paperwork??..bar the default notice being just a template..without any proof of when the original creditor sent it??

 

urm..2nd one like that this week

I’ve just looked through the mountain of paperwork most recently sent from them and there does now seem to be a default notice dated 2010

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would it be possible to scan it all up bar the statements for now?

one multipage PDF only please

it would give us a better idea to inform you

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

There are 14 pages of the application notice

 

further 25 pages attached which includes

copies of letters received from them inc.

 

copy credit agreement,

dd mandate,

statement of account,

default notice,

notice of assignment,

settlement offers,

evidence of means forms.

 

Which do you want to see please

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