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    • Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  
    • This is simply a scam site.  It's been shown to be a scam in the national press and on national TV. Please fill in the the forum sticky and upload the invoice you've received. In fact what you have is an invoice, not a fine, a private company doesn't have the power to issue fines.  
    • Moved to the Private Parking forum.
    • Good afternoon, I am writing because I am very frustrated. I received a parking fine from MET Parking Services Ltd , ( Southgate park Stansted CM24 1PY) . We stopped for a quick meal in Mcdonalds and were there fir around 30 mins. We always do this after flights and never received a parking fine before.  Reason: The vehicle left in Southgate car park without payment made for parking and the occupants southgate premises. they took some pictures of us leaving the car. i did not try and appeal it yet as I came across many forums that this is a scam and I should leave it. But I keep getting threatening letters.  Incident happened : 23/10/2023 I did contact Mcdonalds and they said this:  Joylyn (McDonald’s Customer Services) 5 Apr 2024, 12:05 BST Dear Laura, Thank you for contacting McDonald’s Customer Services. I’m sorry to hear that you have received a Parking Charge Notice following your visit to our Stansted restaurant.   We've introduced parking restrictions at some of our restaurants to make sure there are always parking spaces available for customers.   We appreciate that some visits such as birthday parties or large group visits might take longer and the parking restrictions aren't intended to stop this. If you think your stay will exceed the stated maximum parking time then please speak to a manager in advance.   Your number plate is scanned by our Automatic Number Plate Recognition (ANPR) system when you enter our car park, and then again when you leave. If you have overstayed the maximum time allowed, you will not be notified straight away- a Parking Charge Notice will be sent to you via the post.   If you feel that a Parking Charge Notice has been issued in error, please contact our approved contractors who issued the charge in order to appeal the charge. Unfortunately McDonald's are unable to revoke parking tickets- the outcome of the appeal is final and cannot be overturned by McDonald’s.   Many thanks for taking the time to contact McDonald’s Customer Services.   Can someone please help me out and suggest what I should do next?  Thank you 
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Backdoor Cabot CCJ - old Halifax Card debt - now AEO


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I have received a letter from the county court saying that an attachment of earnings order has been requested by Cabot and I have 8 days to reply or they will enforce it!!

 

This from an old Halifax credit card that I haven't made a payment on since 2010,

the debt is for £4,080.

 

I'm really panicking as I don't know what to do!

I haven't had any previous contact from Cabot,

 

I rang the court and asked how this was even legal as I didn't even know if I owed it

to which I was told if I ignore it they will enforce it and to go back to Cabot,

 

I've tried calling them but got no answer and they haven't rang me back!

 

I went to the citizens advice yesterday and was told to fill in my income and outgoings and take it to the court!

 

I'm in a real mess,

 

can someone please help and give me some advice on what I can do please.

 

Thanks in advance

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so they got a backdoor CCJ at an old address

go look at you credit file

find the CCJ number

then phone Northants bulk and ask for a:

a pdf copy of the judgement and of Claimform

 

 

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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Hi knapper78 I have moved your thread to Financial Legal Issues in view of the CCJ issue.

 

Look at the n56 there should be a claim number near judgment details.....once you have this you can contact CCBC Northampton MCOL to get the details of the claim particulars and judgment.

 

Have you moved home since 2010 ?

 

You must complete and return the n56 within 8 days ...but before returning it get the details of the CCJ as above.

 

Regards

 

Andy

We could do with some help from you.

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Thanks guys.

 

There's is a judgement creditors ref: could that be it?

 

Also, is there a way to stop them from going ahead with the attachment of earnings order?

 

There is a box with Suspend order on it, do I tick that and give the reason that I haven't had sufficient time?

 

Thanks again

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Thanks guys.

 

There's is a judgement creditors ref: CLA/JNS/2949595 could that be it? Also, is there a way to stop them from going ahead with the attachment of earnings order? There is a box with Suspend order on it, do I tick that and give the reason that I haven't had sufficient time?

 

Thanks again

 

That will depend on what you get from Northampton...if you have no defence then no point setting it a side or suspending the order.....unless you wish to pay the claimant direct and not through your Salary .

 

Regards

 

Andy

We could do with some help from you.

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This CCJ is from Middlesbrough court, do I go there?

 

I'm sure Halifax would have already issued a CCJ so would it be best to find that one?

 

Am I right in thinking that it's only Halifax who can issue a CCJ?

 

What am I looking for on the CCJ?

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This CCJ is from Middlesbrough court, do I go there? You mean the AOE ? I'm sure Halifax would have already issued a CCJ so would it be best to find that one? Halifax have not issied it Cabot has Am I right in thinking that it's only Halifax who can issue a CCJ? No

 

Only the claimant that has the judgment can request the AOE.

 

Andy

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Thanks Andy

 

Yes I have moved since 2010 so I've never received a CCJ from anyone. This letter doesn't have a CCJ on it it's just the AOE

 

Oh dear and didnt inform Halifax of your change of address ?

 

I think your getting a tad confused here...the N56 is from Middlesbrough court ...correct ?

 

On the n 56 it should state details of the CCJ /Judgment...claim number ?

 

So to find out about the claim and judgment you ring Northampton CCBC MCOL...once you have all the information you can then decide how to proceed.

We could do with some help from you.

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Ok, I've rang Middlesbrough court, they said it would cost £10 admin to get a copy of the CCJ but she read out what was on the screen.

 

It's for a Halifax credit card Jun 09, balance £3,693.94

 

It was bought by Cabot in 2014 (the balance is now £4,080.94

 

What should my next steps be?

 

Thanks

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Sorry, I'm confused.

I rang Northampton and was told that it was with Middlesbrough

I rang them and was given the information, what else should I be asking for?

Sorry for being a pain.

 

Thanks

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Okay I will go through it again......

 

A Court claim was issued to your previous address from Northampton CCBC...for the Halifax account that you had defaulted on which was bought by Cabot.

 

Because you didn't inform Halifax of change of address and Cabot bought the debt they sent it to your previous address...so you had no knowledge of the claim or couldn't defend it.

 

Previous address is legally acceptable to send court papers because you didnt inform them of change of address.

 

Because the judgement (CCJ)was issued and you have not paid it the claimant (Cabot) are now executing the CCJ by way of the Attachment of Earnings which has been issued by Middlesbrough Court.

 

Options.....

 

If you think you should or could defend the claim you can set a side the judgement by making an application (fee is £255) if you do you can tick suspend on the n56 for that reason.

 

If you have no defence to the claim then you must complete the N56 and return it to the court and the the debt will be taken monthly from your salary.

 

If you wish that your employer does not take it from pour salary you can make arrangements to pay it direct to Cabot and therefore again tick suspend but return it and state why.

 

Andy

We could do with some help from you.

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Ok thanks, I get it.

 

How would I know if I can defend it?

I've read in some posts that after 6 years debts can't be chased, is this true?

As I haven't had any contact or made payments since 2010 this would make it over 6 years.

 

Thanks again

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Then that would be a reason to set a side if the debt was statute barred...but as yet you still have not stated the date of the claim or the judgment date so difficult to establish the 6 years ?

 

Hence the call to Northampton Court to get a copy of the claim and judgment.

 

CCBC will email a copy free of charge.

We could do with some help from you.

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I've just spoke to Northampton and they have told me the same as Middlesbrough that it would be a £10 fee and that it is held with Middlesbrough court

 

The date of the CCJ is Jan 2015 if that helps?

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not statute barred then...

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

I've just spoke to Northampton and they have told me the same as Middlesbrough that it would be a £10 fee and that it is held with Middlesbrough court

 

The date of the CCJ is Jan 2015 if that helps?

 

Depends who you speak to I suppose...plenty of posters here who get it free.

 

Okay because the attachment of Earnings has been issued the file would have been transferred to Middlesbrough Court..as its at local level now no freebies.

 

So as it appears not to be statute barred......then I would advise completing the AoE N56 as you do not have a valid defence.

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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Can I not challenge Cabot to see if they have all of the correct documentation or is it too late?

 

Thanks

 

Too late.....you can only do that if you get a court claim and defend it......note to self for future reference always advise all of change of address....even old defunct debts.

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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Too late.....you can only do that if you get a court claim and defend it......note to self for future reference always advise all of change of address....even old defunct debts.

 

Thanks for your help mate. I received a letter from Robinsons yesterday about my old loan that I had at the same time as the credit card, should I take action on that?

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start a new thread for that

 

 

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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I would start a different thread knapper for that..always keep debts in separate threads.

 

Start it in the Debt Collection Agencies Forum.

 

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

 

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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