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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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backdoor CCJ/CO to old address


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I'll be as brief as possible.

 

defaulted on debts 1st Quarter 2010 and never acknowledged the debt or contacted them.

2015 moved home.

 

August 2016. had a CCJ attached to me at an old correspondence address.

 

Jan 2018, got a letter at current address informing me the CCJ was now a charge on my property.

Checked credit file and found CCJ from Aug. 2016 from a company I did not know.

 

The original debt would have been statute barred.

Is there any obligation for me AFTER the 6 years to inform anyone of my new address?

particularly old creditors and creditors who buy the debt?

 

I am challenging this in court.

 

Any help appreciated.

Edited by Keith york
typo
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challenging what in court and When and HOW?

 

if the debt was statute barred before the issuance of the claimform get it all set aside

 

you should never moved without informing your creditors even if outside of 7yrs

 

you have suffered a backdoor default CCJ BECAUSE you ran from your debts.

doesn't matter they are SB'd as NOTHING is ever checked its a humanless process if not defended.

 

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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thread retitled

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 am challenging the charge on my home and the original CCJ.

How can I find out when the claim form was sent?

Why should I inform them of moving? Is there a legal obligation? You say 7 years why is that?

I did not "run" as you judgmentally put it.

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well you did because you gotta backdoor ccj to an old address,

have you a copy of the claimform and the CCJ?

if not ring northants bulk and ask for them by email pdf.

 

how are you challenging the charge, what have you initiated an N244 ?

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 don't understand how a backdoor CCJ to an old address equates to me "running" from the debt.

 

 

I don't have the claimform as I was not living at the address or had access to the address. This was a correspondence address up to 2014.

 

 

Yes I have sent the N244 on the grounds that it was statute barred before Aug 2016 AND the paperwork was issued to the wrong address. Therefore I should never have had a charge attached to my property.

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great and you have documentary evidence of the last payment date too?

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

Thread moved to Financial Legal Issues Forum..please continue to post here to your thread.

 

Regards

 

Andy

We could do with some help from you.

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I phoned the claim center in Northants. They said the claimform was sent 20th July 2016 to the wrong address. They told me who the original debt was with. I informed this bank in 2015 of my new address.

I have nothing about this debt on file. but last payment would have been no later than May 2010 but i think more like Feb 2010

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perfect job done then should be a walk in the park

did you pay the £255

might be an idea to ring restons and ask them to set it aside FOC to you as the debt was SB'd at time of claim

might save you £255!

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 should add that it appears the debt was sold from my original lender to PRA Group. so my action is against PRA Group.

Yes I paid already.

I presume they have to provide evidence of the debt and payments made etc? I thought they also had to provide me with their evidence before court?

Edited by Keith york
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sorry why did I say restons..

 

they don't have to do anything ...

that's why a backdoor CCJ filed to an old address is SO effective ...hence the advice read post 2

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

In any other court action you have to submit evidence but not here it seems.

 

I am amazed that it is allowed to go through by Judges.

 

Allowing SB debts to go through unchallenged should be illegal.

 

Maybe I'll wait for some neighbour to move and put one on him at the old address...

he may never find out then change that into a charge on his new property.

Seems there is no law to stop me!

 

Well I've done all I can so we will see in a few days what happens.

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no human or judge saw it ....it was a default rubberstamped judgement

and make SURE you get your £255 back too.

 

you do realise 750'000 claimform are issued every year.

85% are default judgements because people moved and did not update their creditors

less than 1% are because they were ignored and not defended

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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Stops us and you being libel'd

Dcas have zero legal powers

And are not bailiffs

But its the biggest fleecing industry in the financial sector

If people stopped paying dcas tomorrow the whole industry would collapse

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

Stops us and you being libel'd

Dcas have zero legal powers

And are not bailiffs

But its the biggest fleecing industry in the financial sector

If people stopped paying dcas tomorrow the whole industry would collapse

Selling of written off debt should be banned imho, but Hedge Funders and buyers of debt would be most unhappy Wonder if it counts as usury a per Bibe and Q'uran? I'm sure DCA's and their operations can never be Sharia compliant.

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 OTHERS

Have we helped you ...?         Please Donate button to the Consumer Action Group

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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