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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.
    • 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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MEIII ccj 2days short of 6yrs old - now got AEO letter / subst of claimant YB Credit card


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Hi and thanks in advance for any time and help .

 

Been meaning to post for a while ,

 

a letter that arrived yesterday (29/9/15) has spurred me on ,

 

My wife a number of years ago had run up a £10k Yorkshire bank visa card debt.

 

When I looked into it earlier this year when she told me about the debt

it seems (according to noddle) she received a CCJ dated on her credit report on the 1/10/09.

 

The letter that arrived yesterday from the county court is titled a "general form of judgment or order" and goes on to say

 

," It is ordered that ME III limited be substituted as the claimant in this claim" , the letter is dated 28/9/15 .

 

Am I right in believing this letters arrival has stopped the debt becoming statute barred by two days ,

 

also as far I am aware there hasnt been any PPI on the debt (not 100% sure) but I am sure there are some hefty charges .

 

And so whats the best way to move forward in this sticky situation

 

.She doesnt really earn that much to even attempt to clear the debt over a number of years so I would have to seriously help .

 

It really affected her nerves hiding it from me for so long and the latest letters arrival may start her off again .

 

Thanks for reading , Andy.

Edited by citizenB
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Did your wife submit a defence on the original judgment ?

 

You would need to send a Subject Access Request to the original creditor to establish the level of charges and it would be to them that you would submit a claim for the refund. Well not a refund as such because if they did agree that they were incorrectly placed, then that would come off the debt.

 

 

As far as the Judgment itself, these never become statute barred - just difficult to collect if they have not been pursued for the length of time you have advised, which is just short of 6 years.

 

What appears to have happened is that the debt has been sold on from the original claimant and the company has applied to the court to be replaced in order to pursue.

 

I would have thought though that as the Judgment is so old, not only would they need to replace themselves as claimant, but that they would need to give a reason why they feel they can pursue after such a long time.

 

I will try and find someone who will be able to advise further.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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What else does the order say. Bar subst of melll

 

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 guys .

 

Letter says

General Form of Judgement or Order in the county court at xxxxxxx

Claim number xxxxxx

Date 28/9/15

 

ME III ltd 1st Claimant

Ref xxxxxxxxx

Wifes Name 1st Defendant

 

Before district judge xxxx sitting at the county court at xxxxxxx then a local address

 

It Is Ordered That

 

1.ME III ltd be substituted as the claimant in this claim.

 

2.This order has been made by the court under CPR 23.9 as the court has disposed of an application without a hearing and without service.

 

Any party may apply to have this order set aside or varied within 7 days of the date of service of this order on that party.

 

Dated 9 september 2015.

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The substituted party may well now seek to enforce the CCJ against your wife.

 

The enforcement action could be brought by one of two ways, the Claimant may serve a statutory demand on your wife or he might seek a charging order against your property (if you are home-owners).

 

You should check and double check all your own records of this debt in order to try and establish if there was any PPI on the agreement and if any default notice served was a valid one.

 

Have a proper look into it and post back your findings (if any), in the meantime, if either of the above stated actions are commenced, post back here without delay for advice, guidance, help and support as regards how to deal with the same.

 

Kind regards

 

The Mould

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They can change the name....just can't enforce it without permission of the court....this has no bearing on the statue of limitations .

 

 

As I thought, they would need to seek the permission of the court.

 

In a few days, check Trust online to see if it is still being reported. After 6 years from the date of the judgment, it shouldn't be.

 

http://www.trustonline.org.uk/

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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As I thought, they would need to seek the permission of the court.

 

In a few days, check Trust online to see if it is still being reported. After 6 years from the date of the judgment, it shouldn't be.

 

Just about to try trust online , I presume I search section 1 England and Wales for ccj's .

Thanks.

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As I thought, they would need to seek the permission of the court.

 

In a few days, check Trust online to see if it is still being reported. After 6 years from the date of the judgment, it shouldn't be.

 

Just checked trustonline and it shows nothing reported but my wifes noddle credit report still shows the ccj , whats the difference ? thanks Andy .

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Update time not run yet?

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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  • 2 weeks later...

Hi guys and girls ,

Again thanks for your time and knowledge ,

 

my wife has received another letter,

unfortunately she has ripped it up before I could look at it.

 

She says it said after a ccj dated last month they are now about to apply for an attachment of earnings order ,

 

is this scare tactics or can they do that.

 

I have checked her noddle credit report and nothing has changed.

 

Thanks again Andy.

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if MEIII are now the claimant yes they can you need to act on this

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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You will know if they do make application....you will receive a form N56..it is imperative that you either complete it or suspend it within 8 days of receipt...you can be held in contempt of court for failure to comply and even receive a custodial sentence.

 

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

 

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what cornflake packet did that come off?

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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The court sets the repayment on receipt of the n56 which is mandatoiry by the debtor.

The court sets the aoe based on the information on it.

The debtor can seek a suspended aoe.

 

I would not be following the legal advice chief,

as the next thing you know arrest for non compliance with the n56.

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What is N56 if you don't mind me asking. I have a CCJ and a charge order but have never heard of or ever seen an N56 form.

 

Its an attachment of earnings order....a means of executing the judgment as the debtor failed to pay the judgment.

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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  • 2 years later...

Hi All ,

my wife received a letter today from Mortimer clarke solicitors stating there client obtained a judgement against her on the XX/XX/09 and that they were now instructed to apply to the county court for an attachment of earnings order.

 

The original debt was a Yorkshire bank credit card that was taken out in 1995 ,

we ran into financial problems around 2008/9 and we ignored the debt and stopped paying the debt around the same time,

 

the balance on the letter is showing just over £12k.

 

We have received a few letters over the years but nothing from a Court and with nothing showing on her credit report(noddle) ,

am I right in presuming this is SB'd and not to contact them ?

 

Thanks Andy.

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If you haven't made a payment since 2009 then it should definitely be statute barred, send them our SB letter (in the library) and it's a good idea to send it recorded delivery so they have to sign for it.

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if they are claiming they have a CCJ then it cant be statute barred..

 

however, they've had 6yrs to enforce the judgement

they have not done so...

its extremely rare for a court to allow enforcement outside of 6yrs.

 

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

old and new threads merged andyEP

so she never did get an N56 ?

 

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 dx100uk

,never received an N56 ,

and nothing showing on noddle ,

 

and reading back through the thread(which I had forgot about) it seems when I checked trustonline back then nothing was showing ?

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