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    • where does anything say its a penalty charge please? sit on your hands , stop begging to everyone await if/when you ever get a letter of claim. thread title updated     
    • Hi all, new member, being advised by someone on another forum but looking for the opinion of others to help me decide what to do.  Bit of a long one but I am looking for some quite specific advice or signposting to somewhere that may hold the correct information. Long story short, I bought an Audi on finance years ago and traded my old car in under the diesel scrappage scheme, brilliant. This allowed me to reduce the value of my brand new car by £7,000 Fast forward a few years later and I fell into hardship. Unfortunately I could no longer afford the car and despite my best efforts at trying to negotiate some kind of support from VWFS (Audi financial Services), the car was subsequently marked stolen and I was pulled over at the side of the road using Tactical Pursuit and Contain. My car was then recovered back to the finance company. I struggled for a while, bought an older car to get myself by and eventually got my finances back on track. Then in September of last year I became aware of a CCJ against me filed by VWFS, for the shortfall of the agreement minus the value of the car which was sold at auction. This caused me to do some research into my agreement, legislation and also consult some legal advice. Using another forum and speaking to retired vehicle finance lawyers, it turned out I may have some grounds to apply to set aside the CCJ at a Court hearing, so I drafted some documents and a witness statement and I was successful in setting aside the CCJ, on the grounds that VWFS had no evidence that I had traded in my old car as a part exchange. Now this is where things get complicated. My whole defence on winning the case against VWFS and disregarding liability for the shortfall rested on the fact that, with my old car as a part exchange, I had paid in more than a third of the agreement and VWFS could not repossess my car without a court order or they would be in breach of Section 90 of the Consumer Credit Act 1974 and I would be entitled to all sums paid under the agreement. I took this all the way, noting that the CCA 1974 and the Consumer Credit Agreement Regulations 2010 state that a deposit is defined as any exchange of goods or by any other means a reduction in value of a purchase by means of a transfer. I recently had my day in Court but as a litigant in person, was cross examined by an all singing all dancing Barrister and of course he persuaded the Judge that I had no case, and that my car traded in under the scrappage incentive was not to be classed as a deposit, despite it literally being written in legislation, amongst other reasons why I found the HP agreement to not be properly executed. I am now appealing this decision as I strongly believe the Judge has misinterpreted the law, What I really need for this to be successful is someone who is knowledgeable in the field of Vehicle Finance to help me understand if I have a possibility of overturning this case, as I have no doubt at all that my car should be classed as a part exchange and a deposit and it is blatantly written in the legislation that the finance companies are bound by. I would massively appreciate if someone can help me decipher this legislation and its application in the sense of my HP agreement, I simply do not understand how I can trade in my car and it not be classed as a part exchange, or a deposit. Similarly, if someone is able to find the exact wording of the terms and conditions of how the Diesel Scrappage Scheme was managed in 2018 that would be an absolute life saver! Thanks so much in advance, this is not a straight forward nor a well documented case but I believe I am onto something and I believe there will be other people in my position who have lost their cars without knowing this clause and could well be entitled to reclaim all sums under the agreement
    • we know them well. you TOTALLY ignore them. NO DCA is a BAILIFF  
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Southern Water/SHULMANS claimform***Claim Struck Out***


Gordy
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date on the claimform

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've already filed your defence

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...

I received the court hearing date today, 26th October 2017. Should i post up a copy of the letter i received?

 

I wont be attending the hearing due to Agoraphobia so do i just need a short statement detailing my defence explaining which bills fall inside the 6 year statute bar?

 

Thanks.

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I received the court hearing date today, 26th October 2017. Should i post up a copy of the letter i received?

 

I wont be attending the hearing due to Agoraphobia so do i just need a short statement detailing my defence explaining which bills fall inside the 6 year statute bar?

 

Thanks.

 

Contact the court with a Doctors letter stating your medical condition with the Doctor saying that you cannot attend a court due to the condition. The courts should have an alternative way of conducting the proceedings allowing for this. E.g you might be able to attend the court hearing by phone. They will phone you on the day and you join them by a conference call.

We could do with some help from you.

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might not even happen

you need to follow the directions on the questionnaire

and get a witness statement done..does it say that? should do

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 will reply in full little later but i assumed this would be a slam dunk? courts should automatically (in an ideal world) do this 6 year stature bar themselves so i assumed all partys would be on board with my defence? Im obviously very naive lol.

 

Attending court during times when my Agoraphobia is good would have been tricky as i cant predict a good day and anxiety tends to go through the roof when an activity has the added pressure of HAVING to be done, most of what i accomplish is very spur of the moment. These alas are not good times anyway and a man with a very large cheque and naked ladies couldn't entice me to attend the court.

 

Ive had to testify in court a few years back for a near stabbing and attended by tv. Was an awful experience where i could barely hear anyone and no one seemed to know what they were doing.

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You dont need a witness...you are the witness to your own defence......hence you need to file and serve a witness statement which particularises and supports your defence as evidence. Fail to submit one or fail to disclose any documents as per the courts directions you run the risk of having your defence struck out....(which I spent time drafting for you).

 

Try not to get arsy with the courts directions simply because you do not understand the procedure Gordy

 

Andy

We could do with some help from you.

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Not sure why im coming across as arsy, im perfectly happy providing whatever is needed. All the questions are literally because i have no clue what im doing. Ill get cracking on my statement.

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Post a copy here for checking when your ready.

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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  • 1 month later...

Hi

i have my statement ready (i hope)

it simply states that part of the claimed amount should not be payable as it is status barred and ive quoted the relevant text (hopefully correct).

 

 

Im unsure how much you are supposed to walk the court though your defense tho,

for example should i be stating the periods that fall outside the status bar and calculate what i think is owed?

 

Again many thanks for all help received...

 

In the County Court at Portsmouth Claim Number: XXXXXXXX

 

Southern Water Services Limited Claimant

Mr Gordon Ash Defendant

 

WITNESS STATEMENT

 

I, Gordon XXXX of XXXX am the Defendant in this claim. The facts in this statement come from my personal knowledge.

 

The last payment or acknowledgement of this debt was made over six years ago and no further acknowledgement or payment has been made since that time.

 

It is the defendant's understanding that under the limitation act 1980 Section 5:

 

“an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued”.

 

Unless the claimant can provide evidence of payment or acknowledgement from the defendant in the relevant period under Section 5 of the Limitation Act, I suggest that the claimant is no longer able to take any court action against the defendant to recover part of the alleged amount claimed.

 

I believe that the facts stated in this witness statement are true.

 

 

Gordon XXXX

 

 

5th September 2017

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urh>>

that not what andy wrote in your defence

 

PART of the debt might be statute barred

not ALL of it

 

 

you need to address the rest of the amount

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 need to answer / expand on your defence concerning all the debt [in the particulars of claim]

not just the part that's statute barred.

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

What date must you file and serve your WS by Gordy....and have you received the claimants yet ?

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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Plenty of time then yet to perfect your statement and see if they serve theirs on you.

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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Looking at the claim...

 

"The Claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year 29/11/2016 to 21/04/2017 on £50.36 and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of £0.35."

 

Am i right in thinking the interest rate at 8% and the separate £0.35p one are both against money that is well within the last 6 years and therefore does not have to be included in my status bar paragraph.

 

And in the next paragraph i write that i am liable for both of the interests claimed and the latest 6 years of the billed amount?

 

Thanks.

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status bar...?

section 69 is only awarded by the judge at the end IF they win.

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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