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    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • 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  
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now have CCJ from Merligen Investments for a Swift Sterling loan


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I had a CCJ issued against me by Merligen Investments Limited for a Swift Sterling loan.

 

They wanted £390 including legal fees. I submitted my part admission defence and included that I objected to the amount and that I only owed £90.

The defence was done online on MCOL and the timeline of events is as follows,

 

A claim was issued against you on 20/04/2016

 

Your acknowledgment of service was submitted on 24/04/2016 at 12:15:21

 

Your acknowledgment of service was received on 25/04/2016 at 01:03:12

 

Your part admission was submitted on 14/05/2016 at 03:14:50

 

Your part admission was received on 16/05/2016 at 01:02:53

 

A judgment was issued against you on 24/05/2016 at 19:20:05

 

I was under the impression that since I offered my part defence on time that this would now go to a court hearing?

 

Does this judgement issued mean that I will owe the full amount as it does not give any details of the judgement on MCOL?

 

Would be grateful if anyone could answer these questions.

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by partial admittance you automatically get a CCJ.

 

 

you should have come here first.

 

 

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 for your reply. I was aware that a part admission would result in a CCJ.

I'm just not clear on the amount that they got a judgement for.

 

 

Does "Judgement Issued" mean they got a judgement for the full amount?

 

I intend to repay whatever figure within a month to avoid the CCJ staying on my credit file.

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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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Share on other sites

Thanks for your reply. I was aware that a part admission would result in a CCJ.

I'm just not clear on the amount that they got a judgement for.

 

 

Does "Judgement Issued" mean they got a judgement for the full amount?

 

I intend to repay whatever figure within a month to avoid the CCJ staying on my credit file.

 

Part Admission doesn't automatically result in a CCJ. A CCJ isn't registered anywhere unless you fail to pay a judgement order within 30 days of the order date. Even then, it is the Claimant who has to apply to register the CCJ against you.

 

If you have an order against you, you should receive a 'General Form of Judgement or Order' letter from the court. This letter is what matters and should tell you what exactly has been ordered, how much you have to pay, and the date it was ordered. Don't trust the court to send this promptly, better to phone them early if you haven't received it or query what the order, if any yet, is for.

 

Also DO NOT trust the claimant if they say they have accepted a settlement. You require them to prove they have discontinued the claim if this is the case. Otherwise you could be in for a nasty surprise later on.

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A Partial admission DOES automatically guarantee a County Court Judgement for at minimum the amount admitted.

 

It is only placed on the register if not paid within 30 days.

 

Do not get an actual CCJ mixed up with the act of placing it on the register........

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

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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A Partial admission DOES automatically guarantee a County Court Judgement for at minimum the amount admitted.

 

It is only placed on the register if not paid within 30 days.

 

Do not get an actual CCJ mixed up with the act of placing it on the register........

 

This is splitting hairs a bit. An CCJ is totally meaningless until 30 days has passed. It is just a placeholder. In effect, said CCJ is never going to be registered therefore it is null and void.

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Actually no, it is not splitting hairs. It is called being accurate.

 

Enforcement can be taken on a CCJ as soon as any payment ordered is not made, and that depends on the timescales set down in judgment. and can be less than 30 days which would also potentially cause more loss to the person misdirected by your standpoint

 

Also it is vital to understand the true picture, although in this case the OP has no intention of appealing, other members may be following this case and your information would mislead them. If they thought it was not a CCJ for another 30 days they would lose the right to appeal which must be done within 21 days of the hearing....

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

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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Actually no, it is not splitting hairs. It is called being accurate.

 

Enforcement can be taken on a CCJ as soon as any payment ordered is not made, and that depends on the timescales set down in judgment. and can be less than 30 days which would also potentially cause more loss to the person misdirected by your standpoint

 

Also it is vital to understand the true picture, although in this case the OP has no intention of appealing, other members may be following this case and your information would mislead them. If they thought it was not a CCJ for another 30 days they would lose the right to appeal which must be done within 21 days of the hearing....

 

Wrong! A CCJ cannot simply be enforced by a claimant after the order, even if it is made forthwith. They must apply for enforcement through the courts and pay the fee. This can only be done AFTER 30 days of the date of the order and non-payment.

 

Your suggestion that enforcement can be taken as soon as a payment isn't made and in less than 30 days is utter nonsense.

 

Yes appeals must be made within 21 days of an order, but that has nothing to do with payment timescales, enforcement, or the registration of a CCJ.

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Wrong! A CCJ cannot simply be enforced by a claimant after the order, even if it is made forthwith. They must apply for enforcement through the courts and pay the fee. This can only be done AFTER 30 days of the date of the order and non-payment.

 

Your suggestion that enforcement can be taken as soon as a payment isn't made and in less than 30 days is utter nonsense.

 

Yes appeals must be made within 21 days of an order, but that has nothing to do with payment timescales, enforcement, or the registration of a CCJ.

 

 

Thanks for your replies

From my limited knowledge, I was under the impression that this was the case alright. I found a few threads where this was discussed previously such as the 2 below.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?292376-Safeloans-sent-CCJ-Letter

http://www.consumeractiongroup.co.uk/forum/showthread.php?461489-CCJ-28-days-start-date

 

 

There is one issue that I'm still a bit unsure about.

When I paid the claimant

they gave me a receipt to show the account was repaid

 

 

Do I need to inform the credit agencies or courts that this has been repaid using

the receipt as proof?

 

I knew nothing about how the CCJ process works until a couple of weeks ago but am trying to educate myself by browsing threads on here.

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ask the court on Tuesday.

you might well have to provide proof if the claimant has not done so already.

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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Yes appeals must be made within 21 days of an order, but that has nothing to do with payment timescales, enforcement, or the registration of a CCJ.

 

You clearly said that a partial admittance does not create a CCJ which was inaccurate. IT IS VITAL that people know that they have to appeal a CCJ 21 days from judgement. Your advice would of misdirected them into thinking that a CCJ was not created UNTILL AFTER IT IS REGISTERED!!!!!

 

So again, Not splitting hairs.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

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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For others following this thread

 

http://www.trustonline.org.uk/understand-judgments-fines/ccjs-and-county-courts/ccjs-what-are-they

 

"

CCJ:The facts

 

When you owe money to someone, they can apply to the County Court for a judgment (CCJ) against you to claim the money.

 

The Court will decide whether there really is a debt to pay. If there is, they will issue a CCJ. (Hence why a partial admittance will ALWAYS lead to a CCJ- SS) This will set out how the debt should be repaid."

 

 

Staying off the register

 

Nearly all CCJs go on the register:

 

  • Paying within a month The CCJ will be removed from the register if you pay in full within one month of the day of the judgment.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

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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