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    • OK, so I've rather unfairly picked up a CCJ from a business overdraft debt that's been going on for years. I had court claim forms in 2014 which I managed to stave off. and again in sept 2016. This time I've acknowledged the service, filling in what I thought was the correct amount I thought I owed. I've since had the personal guarantee paper copies in my possession and I owe £21K. I sent them back along with a new address for all correspondence to be sent to, and then agreed to a Tomlin order to pay debt off monthly.  Now, these were sent back and forth and eventually signed, but apparently only partially. So DD was set up at same time, in Jan 2017. over next couple of months we paid, and also go letters to sign new Tomlin which we ignored as it was signed. In March we got another TO with 7 days to sign it and send back. We had one day to get this to them and phoned to say it wouldn't be there, that's ok they said, well extend it, just keep paying and send it back asap, we did send recorded (since lost receipt). We assumed they'd got it, and didn't hear a peep from them. Until July 18, when I found id got a CCJ from Feb that year. I've logged a complaint with solicitor, and had a response, they are denying any knowledge of anything. They had no TO so took it to court without my knowledge.  I didn't think there was anything I can do. However, as it turns out, the court sent papers to an old address even though solicitor had new address for 13 months, and address for correspondence was on the claim papers I sent back. Upon closer inspection the numbers are all wrong too, nor a lot but its about £200 adrift. We called their office too within the 30 day notice period, oddly they have no record of that.  And all this is on a "Business Charge Card Guarantee" …. anyone explain that?? In the mean time we've paid £5K+ of the debt off. At no point did anyone in the process let us know we'd had the CCJ logged against us. Is that right?? Or legal? I was intending to get it set side, but was told by them it was pointless. Just want to get back to point A. Paying it isn't the problem, it getting the CCJ reset. Please Help!!! 
    • same with jaguar s-types etc. all kind of weird issues if the battery is on the way out or the terminals/earth straps are not reconnected tightely/properly.   mine was the earthing strap to the gearbox, was rotted and got knocked during the gearbox oil change.
    • what have they got that they can respond too that counters your SB defence? zilch.   as with every erudio claimform or PAPLOC thread on CAG you solely got the claim because for whatever reason , to that date, everything was ignored.   once a response is made they go away.   default CCJ avoided. you must read up and understand how arrows [erudio!!] operate  
    • so won by a section 75 claim under the consumer credit act then   consequential losses are also covered by section 75 as the card provide is equally liable as you've already found out   as for the dealer and court there is no time limit, well 6yrs I believe   though it would be a tough battle but made slightly easier as BC coughed up. but again what would you in all reality 'win' probably go bust or change name        
    • It was settled by Barclaycard because I bought the car using my VISA credit card. Do you know if there is a time limit for taking the company to court to claim the consequential expenses incurred?
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parkingbill2018

NPM PCN claimform - overstay Un-adopted Rd entrance to old St Edmunds Hosp Northampton

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4 minutes ago, parkingbill2018 said:

3 Copies. One to the court, one to the Claimant and one for myself, correct? And yes I was going to cover up my email address and phone numbers on the Claimants copy, but will do the signature too. After all they didn't even give a name on their Claim form! Can this be emailed or does it need to be sent by post?

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I completed my directions questionnaire & sent a copy to the Claimant as instructed. The Claimant presumably completed the same, but I did not receive a copy of theirs. Wasn't I supposed to? I have now received the Notice of Transfer of Proceedings and await the Judges's directions.

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No, they dotn get a say in the matter as you are an individual and they are a company so it will always be your choice.

they dont bother wasting their ink at this stage but will try and hoodwink you later by asking for the case to be heard "on the papers" becasue they know they are stuffed if the matter is heard in open court esp in front of the same judge that spat out their last attempt to rook people.

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When you say heard on the papers do you mean no one has to attend court, the Judge just reviews the documents submitted by both parties?

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Yes that exactly, what it means is that all the dodgy evidence, rubbish POC etc can't be challenged.  Its an own goal that gives them an automatic easy win, and their evidence goes through without any rigorous investigation.


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and it costs them nothing as well. If there is a hearing they have to spend another £50-100 on a local solicitor to attend so when they lose that bumps up the bill their client gets for their incompetent handling of the case and thus puts the client off from trying their luck again.

 

You need to look up the term "you've been Gladstoned"

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No they don't waste money on Gladstone's or other Solicitors now. They represent themselves and did so when they recently lost the case for this same location. In fact Gladstones's did do that case up to the LBC, then NPM represented themselves in court. My LBC was direct from NPM, although you could see it was a clone of the Gladstones version. 

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Well if they thought they could try the Gladstone method without gladstones, they will lose.

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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

 

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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so you havent looked up the phrase have you?

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