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    • I would only rely on your solicitor in this regard. The other two should not have a view.   And, you are responsible for how the court perceive you. They only have your words and deeds to go on. Expecting them to magically see things your way is not a great tactic.
    • Yes, I don't think there is any downside to doing this. If they decline then you can say that in your witness statement
    • Ok! Do you still want me to work on that letter you discussed above in post #26?
    • Thank you for posting up the required details and well done for apparently not revealing the identity of the driver. I am assuming you are the keeper? The depth of ignorance of the parking companies is absolutely amazing. The Protection of Freedoms Act 2012 Schedule 4 is the law relating to private parking and allows those rogues to be able to transfer the charge from the driver [whose name they do not know] to the keeper after 28 days . This is dependent on them complying with the Act. So many of the don't and Alliance is no different. It would help if we could see what you appeal was and to post the back of the PCN as it is lacking so much of the wording necessary to make it compliant so that in your case only the driver is liable to pay the charge. And of course just entering the ANPR arrival times means that they have failed to specify the parking time which is a requirement..  Because the car park was so busy you had to drive around for quite a while before finally finding a place to park which is when the parking period may  actually begin. The poor dears at Alliance have not grasped that particular part of the legislation as yet. To be fair the Act has only been in place for 12 years so one must make allowances for their stupidity . We shouldn't really mock them- but it is fun. You weren't to know but the chances of winning an appeal against Alliance and the IPC is around 5%-and that is high for them. If they allow you to cancel they lose the chance of making money and they would have had a field day when you were there with so many people being caught overstaying because of the chaos in trying to find a parking space then trying to pay.  Your snotty letter could go something like this- Dear Cretins, Yes I mean you Alliance. After 12 years one would have thought that even you could produce a compliant PCN. Did you really think I would pay you a penny extra considering the time I wasted trying  to pay with  long queues at the parking machine, then trying to get a signal to call Just Park. On top of that you then had the cheek to ask for an additional £70 for what dubious unspecified pleasure? You must have made a killing that day charging all those motorists for overstaying because the queues to pay were do long and even walking to pay from the over flow parking fields takes time. And yes I did take photos of the non existent signs in the fields so please don't give me the usual rubbish about your signs being clearly visible. Oh yes that £70. Please tell me and the Court whether that charge included VAT and if it did, why am I being charged to pay your vat? I am sure the Judge would look carefully at that as well as the Inland Revenue. The truth is you had no reasonable cause to ask the DVLA for my data given the chaos at your car park and I believe that you therefore breached my GDPR...................... I expect others will give their views as well.          
    • opps this is going to get messy then if they don't refund. you should never keep util accounts in credit.
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amigo loans claimform - help!


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Well according to their T&Cs they are allowed to contact the Guarantor...it doesn't say where...but it is considered bad practice by the FCA..With regards to them not contacting you and they sate they have within their particulars...then again you can deny that they followed Pre Action Protocol and failed to comply ...again these are minor defence points...and not enough to justify defending the claim...IMHO.

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would that and the fact the account is in dispute not be a good enough defence, as i would be happy to start making payments again and come to a resolution with them

 

if i did defend what is the worst thing that could happen

 

also at the time the defualt was issues i was only 66.37 which is less than one month payment can the default still be raised at that time

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also at the time the defualt was issues i was only 66.37 which is less than one month payment can the default still be raised at that time

 

Yes because it was a fixed term loan...repayable on demand if defaulted.

We could do with some help from you.

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andy i thought a defult had to be three missed payments not just one

 

andy here is the defence i intend to submit at the min as i was thinking the default was not correct

 

It is admitted that I did take out an agreement xxxxxx on the 21st of january 2015.

 

this account is in dispute as they have never accepted to send out and income and expenditure form,

when they were informed of the changes to my circumstances,

 

they have also failed to give an accurate picture of the account when calling mrs xxxxx by informing her that we are two months in arrears when we are not.

 

they have also failed to follow correct precourt action protocal by not contacting Mr xxxxxx since august when the account entered dispute and raised with the ombudsman.

 

I would also like to bring to your attention that the defualt notice was raised after only missing one payment,

that payment was made shortly afterwards

a part payment being made to try and bring the account upto date at this point

 

i did request a income and expenditure form, to try and resolve the issues i was having at the time,

however amigo loans then raised a default notice as the account was not even a full monthly payment behind.

 

Therefore for the above reasons the claimant is denied the relief claimed or any relief.

 

andy should i still incldue abouth the default as i had not missed a full payment at the time it was raised i had made a payment for over half that month

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you need to align your replies to their POC sentence numbers

like andy did in post 37

 

however, there appears to be nowt of relevance in your defence.

 

pers I'd be going for a tomlin.

 

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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If you look at the T&Cs under " Our Rights " you will see that they can accept partial payments or even late payments without losing their rights.......there is no way around the agreement or the defaults or how many missed payments........the T&Cs......well you would have to be mad to accept them or pretty desperate to deal with them.

We could do with some help from you.

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no rules against either.

 

its for you to resolve debt issues

 

theres no rule that they cant issue a default after 1 month.

and anyway, all they'll do issue a correct default notice and that settles that issue.

 

a faulty DN is no concrete reason alone to defend a claim.

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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  • 5 months later...

hi guys

 

 

i am in court with this on friday

i have tried to come to an agreement with them but they were having none of it.

 

 

dont know what to expect

 

 

i have had a document come throught about all the points they have made

and i know some of them are wrong but i dont have the evidence of the calls to back it up,

 

 

i will be going

 

 

does anyone have any advice on what to expect etc

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so you tried approaching them regarding a tomlin/consent order as andy suggested?

 

 

and they refused?

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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" i have had a document come through about all the points they have made and i know some of them are wrong but i dont have the evidence of the calls to back it up, "

 

That will be their witness statement ....have you complied with your directions and submitted your witness statement and standard disclosure by the dates stated in your notice of allocation?

 

Andy

We could do with some help from you.

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Didnt ask you that TB...have you complied with the court directions ?....if not you will not be able to rely on any evidence or witness statement on Friday.

We could do with some help from you.

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Didnt ask you that TB...have you complied with the court directions ?....if not you will not be able to rely on any evidence or witness statement on Friday.

 

I haven't yet I didn't read it fully will look at it again today

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I haven't yet I didn't read it fully will look at it again today

 

It will be too late as your in court this Friday

We could do with some help from you.

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You could try and email your disclosures and witness statement across today to the court and claimant...cross your fingers its accepted.

We could do with some help from you.

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At the very least attend...otherwise you will not stand a chance having not submitted your disclosures or witness statement.

We could do with some help from you.

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thank you every one for your input,

 

 

i attended court last week and the judgement was entered

 

 

i have 14 days to pay the full amount

i am going to fill out an income and expenditure form to try and arrange payments with them,

 

 

just a quick question

 

 

it was a joing judgement,

what does this mean

i believed it would just be a judgement on my self not a joint one,

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It simply means that you are both liable for payment and both have a CCJ registered against you...but payment is only from one of you.

 

Application to vary payment to monthly.(fee £50)

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?406098-LEGAL-N245-Application-for-suspension-vary-an-order-**Correct-as-at-Sept-2015**

 

Regards

 

Andy

We could do with some help from you.

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i was told to fill out an income and expenditure form to see what i can afford to pay so do i still need to pay that £50 to vary the payment or would sending that sort that out for a monthly figure i can afford

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Who told you to fill out an income and expenditure form ?

We could do with some help from you.

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They mean submit an N245 as per my post#71 above

We could do with some help from you.

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