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    • The card number at the top right of the Advanced Application Form and Agreement does not reflect the same card number the number is 546780 and ends 5931 (however that card was taken out in 2005) the card number on the POC - there isn't one it is just the reference number that they use or they call the 'original account number'.   As for the statement (excel spreadsheet type) that has the same reference number but not credit card number.  However this is different to the spreadsheet paperwork they have sent previously to me. Which looks like it comes from Lloyds and shows the debt being written off by them. I've attached that here.   I wrote to Lowell asking for the deed of assignment and they haven't furnished us with it either. They did state that they don't have it as it is too old or something in the offer letter.      new doc 2021-02-25 08.15.42.pdf
    • Hello All   Update   As per post #83, I had mentioned that for some unusual  reason, there had been two deadlines from the court for responding, namely the 18th of January 2021 and 1st of Feb 2021.   With everyones great help I filed in the response by the18th of Jan 2021. I think I was bit concerned that the claimant, Mike Ashley may use the second deadline as a chance to add a supplementary statement in response to my defence.    Well, Mike Ashely has in fact does exactly this. He has responded and filed a supplementary witness statement and has responded to all the defence points. He has addressed most the issues I had raised in my defence.     His Supplementary WS is dated 30 January 2021 and his solicitors emailed it to me on the 17th of February 2021.   Not sure what to do, but he seems to have amended everything which i could have used as a loophole leaving me with the thought of , should we have waited till the 2nd deadline ie 1ist Feb2021 and submitted the defence rather than the 18th January 2021. this would have deprived him of the chance to response with a supplementary WS. Thats what really had a worried me and I raised it a few times on this platform.     Not sure now because he has kind of amended a few things, removed the incorrect exhibit ( where the signages had belonged to a different site, and called it a clerical error).   Will post his redacted supplementary WS later as at work now.   Thanks all
    • An eye-opening new report from the payment processor Worldpay found so-called 'mobile wallet' payments were used for just under a third of all online transactions in 2020. View the full article
    • Adding to all the other difficulties (address for service, proving an agreement, obtaining enforcement even if you succeeded) that have been raised: Has the obligation to repay yet arisen?   You say the agreement was repayment once the divorce settlement occurred, but then point out settlement has yet to occur!.
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

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I have received a PCN from a local authority.

 

 

I have not opened the envelope (but its contents is obvious and I was expecting it).

 

It was not sent by recorded mail.

 

If I were to "return to sender" "Not at this address". Would I be committing a criminal offence?

 

(I know this would be morally wrong given I did deserve the PCN!)

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hasn't got to be recorded mail....

 

 

if you ultimately want to treble the cost by getting bailiffs at you door sure off you go be stupid and return it....

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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illegal implies a criminal offence would be committed...

 

you would obviously be lying

 

if that's a criminal offence is IMHO a moot point

 

it wont stop it going to bailiffs and it wont stop their fees being levied that will add several hundred £'s to the small fine as it stands at present.

 

why not pay it or fess up.

.i don't understand what you feel you gain by this is stupid idea...??:loco:

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 would you commit purgery by standing in court with your finger prints indention on an envelope and state I did not receive such an envelope??? bally hell what next!!!:-(

:mad2::-x:jaw::sad:
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It's not a criminal offence. Go ahead if you want to, but as mentioned above, it won't achieve anything. Councils are not so naiive as to allow this as some sort of 'get-out' or everyone could and would do it.

 

What you would be doing is basically ignoring your liability and they would eventually come after you with a bailiff warrant and probably several hundred pounds in extra charges.

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It's not a criminal offence. Go ahead if you want to, but as mentioned above, it won't achieve anything. Councils are not so naiive as to allow this as some sort of 'get-out' or everyone could and would do it.

 

What you would be doing is basically ignoring your liability and they would eventually come after you with a bailiff warrant and probably several hundred pounds in extra charges.

 

Agreed (not perjury....), provided that is where it stops.

 

The problem is that if the OP is willing to (foolishly!) try this, will it stop there?. The next step (logically - if the OP is willing to go down this path, but not sensibly!) is to then try statements to the TEC to try and 're-set the clock' when hit with bailiffs demands for the increased sums... and since those are statements to the court, with requirements for statements of truth ..... that WOULD be perjury ........

 

OP, listen to the good advice you've had. If the PCN can be validly challenged, challenge it.

If not, pay it while it hasn't increased.

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If you really want to claim that you dont live at that address then you should be prepared to accept that you may get reported to the DVLA regarding giving them false information on the keeper details. That would of course mean that your insurance would be invalidated for the same reason.

 

So, a second and third FPN to add to the PCN and a massive hike in your insurance premiums whn you do eventually get someone to insure you and that will be on top of the already mentioned bailiff recovery fees, possible seizure of the vehcle etc.

 

Its a parking ticket for god's sake, stop being such an ass and if you cant find a fault with its issue pay it and forget about it.

Edited by honeybee13
Paras.
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