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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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Hoist/Cohen claimform - old Halifax Card 'debt'***Claim Discontinued***


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Hello. I’m trying to stay calm, but pretty in reality I’m quite distressed right now!

 

I recently opened two letters,

one from Howard Cohen & Co. and

the other from The County Court Northampton.

 

Essentially I have received "Notice of Pending Legal Action" (dated 8th March) and

the claim form from courts (dated 25th March).

 

I want to avoid getting a CCJ

- it appears my only option is to settle with Robins*nWay. Is this the case?

 

After speaking with their "litigation team"

I was informed that I can make an offer of settlement and if they agree to reduce the debt to £0 this will mean no CCJ against me and a "partially settled" on my credit file.

 

They require me to go through my income and expenditure with them over the phone in

order to come to a decision as to whether my offer will be accepted.

 

The debt is around £12k - originally around £9k, but they are asking for an additional £3.5k interest.

 

My questions are:

 

* It would seem I still have 7 days before I need to reply to the court order

(therefore deadline of Wed 13th April) - is that correct?

 

* Do I have any other options? I took the original debt out (Halifax CC) in July 2006.

 

* If I do make an offer, what sort of % should I be considering?

And of the debt or debt + interest they are claiming?

 

* How can I ensure that this is considered “full and final

and they will not/cannot therefore continue through the court for further money and me receive a CCJ anyway?

 

* How bad is “partially settled” on my credit file? I assume it is much better than a CCJ!

 

It's worth mentioning that I have about another £15k of debt besides this,

so bankruptcy is a consideration for me;

I know this will supersede the CCJ if I go down this route,

but I would really rather avoid bankruptcy.

 

Any and all help/advice appreciated!

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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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and please don't ring people

nor admit any of the debt.

 

 

who says its enforceable or you owe the money to a fleecing debt buyer

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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Just because they threaten to issue court papers

Or issue court papers does not mean that they have the right to claim anything from you

 

If they do issue court papers it is not a automatic ccj and at times can defended

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Thanks for the feedback - details requested are below.

 

Name of the Claimant: Hoist Portfolio Holding 2 Limited

 

Date of issue: 25th March 2016

 

Particulars of Claim:

 

 

1.The claim is for the sum of £9k [approximately] in respect of monies owing under an Agreement with the account no.XXXXXXXXXXXXXXXX pursuant to The Consumer Credit Act 1974 (CCA).

The debt was legally assigned by Bank of Scotland plc (Ex-Halifax) to the Claimant and notice has been served.

2.The Defendant has failed to make contractual payments under the terms of the Agreement.

A default notice has been served upon the Defendant pursuant to s.87(1) CCA.

 

The Claimant claims

1. The sum of £9k [approximately].

2. Interest pursuant to s.69 of the County Court Act 1984 at a rate of 8% from the XX/03/11 to the date hereof 1839 is the sum of £3.6k [approximately].

3. Future interest accruing at the daily rate of £2 [approximately].

4. Costs

Value of the claim: £13,200

 

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card

 

When did you enter into the original agreement before or after 2007?

I have a letter stating I was approved for the credit card dated 25th July 2006

and first statement shows a balance transfer in August 2006.

 

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. Hoist

 

Were you aware the account had been assigned – did you receive a Notice of Assignment?

12/2/13 – Letter from Halifax stating transferred to iQor Recivery Services.

Nothing specific to Hoist or Robins*nWay.

Please note that I have moved address several times during the past 10 years.

Also, the account appears to have gone through at least 5 different collection agencies.

 

Did you receive a Default Notice from the original creditor? Yes, XX/09/2010.

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?

Not that I am aware of. I did receive to my current address a letter from Hoist that included a “Statement of Account” in Aug 2015.

 

Why did you cease payments? Extreme personal and financial difficulties and working abroad.

 

What was the date of your last payment? £10 received in May 2012 (arranged), possibly to Apex Credit management.

 

Was there a dispute with the original creditor that remains unresolved? Not that I recall currently.

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt management plan?

Yes, possibly on several occasions. Last known was £10 PCM Apr, May, Jun 2012.

 

---

 

I am very concerned that defending against this may result in liability for the entire £12k,

whereas if I were to consider the debt my own and make an offer of settlement,

it would in all likelihood provide an opportunity to settle for much less.

 

 

What is the basis of defence and how realistic is it to win when this is over £10k and I have no legal knowledge?

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The Debt as it stands is £9K disregard any interest...that's at the courts discretion ..therefore the claim if proceeds will be Small Claim Track.

 

The only way you can steer the claimant to mediate/settlement is by defending the whole claim...otherwise its an automatic CCJ.

 

Take a read of the Legal Success Forum and you will soon understand how to defend a claim and the process....over 95% of the claims brought to CAG do not even get to trial once a defence has been entered.

 

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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Thanks for the input - but now I'm really unclear.

 

Robins*nWay stated that if they agree to a settlement figure with me over the phone that they would consider the debt zeroed and it would not proceed to court. Is this possible? And if so, would this still result in a CCJ?

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wouldnt trust them as far as I could kick them

 

 

defend the claim

send CCA

and CPR

 

 

Pop up on mcol

Register as a new user

Then log in and ack AOS the claim

Defend all

Leave jurisdiction unticked

 

CCA Requestlink3.gif to claimant

CPR 31:14link3.gif from the legal section of the librarylink3.gif to cohen

don't signlink3.gif anything blank £1 PO for cca

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

Thanks for the input - but now I'm really unclear.

 

Robins*nWay stated that if they agree to a settlement figure with me over the phone that they would consider the debt zeroed and it would not proceed to court. Is this possible? And if so, would this still result in a CCJ?

 

It is possible to stay a claim...even before you have submitted a defence...this is done by way of a Tomlin Order but you must at least acknowledge service of the claim in the meantime and submit a defence if the Tomlin Order is not finalised and sealed before your defence due date.

 

The Tomlin Order protects you and makes sure that the claimant does as agreed

We could do with some help from you.

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However, on MCOL it is listed as the full amount, circa £13k. So still small claims track?

 

The interest should/may be shown in their particulars of claim but not added to debt amount at this stage...so in the box to the bottom right of the claim should read.

 

Amount claimed £9000.00

Court Fee £XXXXX

Solicitors Costs £XXXXX

Total Amount £XXXXX

 

If that figure is less than 10K its small claims track and they have submitted the claim incorrectly.

 

Interest sec69 at 8% is only awarded after judgment on the debt.

We could do with some help from you.

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I have done the acknowledgement opf service on MCOL.

 

 

 

But my debt is for a credit card - isn't that for current accounts?

 

There are 2 versions...one for current accounts and one for loans/credit cards etc.

We could do with some help from you.

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The interest should/may be shown in their particulars of claim but not added to debt amount at this stage...so in the box to the bottom right of the claim should read.

 

Amount claimed £9000.00

Court Fee £XXXXX

Solicitors Costs £XXXXX

Total Amount £XXXXX

 

Yes it is like that on the claim form, but on MCOL it just lists the total amount. So, I assume it is entered incorrectly by them?

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Sorry, that was wrong. It was:

 

Amount claimed £13,000.00

Court Fee £XXXXX

Solicitors Costs £XXXXX

Total Amount £XXXXX

 

Is how it appears on the claim form, but in the particulars it is listed as 4 separate items as listed above.

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Then its been completed wrong...your debt as it stands is 9K...interest is at the discretion of the court...so that's another reason to defend in full.:wink:

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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Going through old paperwork to get organised...

 

I sent a CCA request to "First Source Solutions" in Feb 2014 regarding this debt (and I have proof of postage). I do not appear to have received any response.

 

Does this have any impact?

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No.... have you sent one to the claimant?...that will have impact....if they fail to comply.

We could do with some help from you.

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Yes but I thought you were questioning a CCA (section 78 ) request?

We could do with some help from you.

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Another question....

 

There is a section in the template that states it should be deleted for claims over £10k.

 

With the ambiguity (or incorrectly completed information) in regards to my case, presumably I should leave it in? It is only s69 interest they have added that takes it above 10k (as mentioned previously in this thread).

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It would appear you are not alone and we may have opened a rats nest...

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?404641-PRA-MBNA-Credit-Card(13-Viewing)-nbsp.

 

Treat your claim as small claims track

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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