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    • Well please can you search everything and get all your documents together. Read them. Understand what you have. And they make sure they are properly filed. Do you have the name and address of the driver? Also I believe that you said that you had received a message from your own insurer saying that you were liable – or something like that. Please can you reproduce that message here – preferably in PDF format
    • As i stated above, i found out a document from my draw that admirel had sent me on the 25th of january. I found it out to see if it had any information about the van. Then i saw that it said ' section l -witnesses , then a male name .
    • You say that you have only just found out that the van driver has apparently got witnesses to the accident. How did you just find this out?
    • Well reading the bullet points is essential. If you think that the bullet points are a correct account of what happened and you are prepared to stand by this account and even eventually sign a statement of truth – in the event that this goes to court – then it is worth going forward. If you think that this is not a correct account then probably we have to stop. If you have received documents from the van driver's insurance then it may be correct not to respond to them at the moment – but we would like to know what those documents are. I'm amazed that your own insurers haven't sent you any formal documents. As I've already said, send them the SAR straightaway. Also I think that separately you should phone them tomorrow and ask them what's going on and tell them that you want documents relating to their finding that you should be held liable for the accident. See what they say about this. They may say that they are not prepared to disclose documents to you. Once again, I've already suggested elsewhere that you should read our customer services guide and implement the advice there. This is essential. My prediction is that if you want to deal with this then you will have to sue the van driver in the County Court for negligent driving. This will be a small claim and so the outlay to you would be relatively minor and you would not have to pay the other side's costs in the event that you lost. I would expect that your outlay would be only about £200. If you won then that would change everything in terms of getting compensation for your car and also in respect of the cost of repairs for the damage vehicles. Also, it would assist on your other thread in dealing with the extortionate price that you been required to pay for the car – which I think we've already indicated is a complete scam. I think you had better start learning not to trust anyone. You can trust us – but you have to make your own judgement on that score – that there is certainly no one else that you can trust in this. Would you eventually be prepared to take a small claim in the County Court? If you have no experience of this then talk to 1 or two people but also read up on this website about the steps involved taking a small claim in the County Court. It's straightforward but you need to know the steps in advance. You will not need a lawyer – but if you did decide to get a lawyer then it will be very expensive and you won't get the money back even if you win.
    • Iv only just seen that the van driver is claiming a witnesses, i didn't know this other than from 10 minutes ago.    I haven't received any documents from my own insurance , the document i received was from admirel - the van drivers insurance.   Yes i have the name and address of the van driver.   There was still ice on the road yes.    I will carefully read through your bulletpoints and comment afterwards.     
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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.
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Pdc claimform - part admitted, got judgement, wont except payment without addes fees - now issued a Section 146


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Hi all,

 

I am new to this forum so please forgive any mistakes.

 

I am having an awful experience with the above companies.

It all started with a service charge debt.. not very old..was due in December 2017 in advance for months Jan/Feb/March/April.

Hands up.. I can never afford to pay in advance but have always paid by the end quarter month.

 

In April 2018 received a letter from Property Debt Collection for the service charge (which obviously had no quibble with) but they had added excessive fees.

£250 for the Managing Agent to instruct them and £350.00 for their initial letter to me (which contained land registry entries which imo a bit premature at this stage).

 

I offered to pay the Managing agents the service charge and they flatly refused to deal with me saying I could now only deal with Property Debt Collection.

I tried to pay Property Debt Collection the service charge debt, plus £250 for the Managing agents fee (ok.. it was late so that's my fine), but only a reasonable fee for their letter of initially £10 which I increased to £50.00.

They flatly refused this saying they do not take part payments.

I offered them this on more than one occasion and also went back to the managing agents... no joy

 

To cut a very long story a bit shorter, it was passed to PDC Law (obviously related) who have taken me to the County Count Money Claims.

It has gone through the process and it seems that the Judge has entered that I pay them £833.20.

This is a lot more than I expected to pay as I sent the court a part admission and defence and acknowledgement of service etc within the timescales.

 

I also sent him all evidence of me trying to pay and the various parties refusing payment.

So today at the last final hour I gave in and as the Judge instructed rang PDC to pay them the money of £833.20 as on the Judgement for Claiment .

I was in total shock when they refused to take this payment from me.

 

They said they had issued a Section 146 Notice, on the 5th October, which I have not received (I run a business from home and every piece of post is logged in), they also said they had sent one to the Building Society.

I said sobeit but this is what the Judge has ordered.

 

I literally begged them to take the money as I said it was the last day for payment and the CCJ could then not be lifted in the usual way apparently.

It appeared they were blackmailing with this as they said it would be if I paid them a sum of £2308.15 !!

I have informed the Court about their refusal who said this was unusual and asked me to send this in to them in writing.

 

I so worried about this.

.. I have been dealing with this for my son and it appears that I have go him into a whole lot of trouble.

Can any help please??

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re titled and moved to general legals.

 

you should never part admit a claim

and if you defend a case you must always attend the hearing.

 

you need to go thru his tenancy agreement with a fine toothed comb

if it says something about post judgemental fees/cost are applicable then I think you are stuffed.

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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posts moved to your own thread

best to stick to this one rather than hi-jack

 

follow post 2 please.

 

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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Good evening.

Thank you for your reply.

 

I was never invited to a hearing it just went in front of the judge, who ordered me to pay the said amount which I have tried to do.

 

I have never had an issue with paying the service charge just the unfair charges of PDC.

 

The original Managing Agent who instructed PDC have now been sacked for issues that could not be resolved.

 

I have no argument at all with the Claimant who have now instructed new Managing Agents whom I have a good relationship with.

 

If the Property Management Debt company had accepted my offer of payment in the beginning the Claimant would have their money in full, and surely this is the objective of a Debt Collector to collect the debt, and charge "a reasonable amount for sending out one letter".

 

I will look at the Lease, but surely somewhere there is a limit on what a company can charge for an initial letter, and also is it not their duty to take reasonable steps to recover the debt for their client by accepting payment from me?.

 

sorry I am having trouble finding my way around the site

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even if you part admitted but also sent a defence you would have been sent a court date as far as I know?

 

anyway...

sadly if its in the tenancy agreement then sadly PDC can add their charges and there are numerous PDC threads in this forum that appear to suggest that they are lawful and they can.

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 Thanks again.

 

 

I am still confused, I was not sent a court date at any time, it just went in front of the judge.

The Court is in Salford and I live far away from there.

 

So does PDC not have to accept the Courts Judgement but I do?

I filled in all the forms and sent them back to the court within the time period which they acknowledged.

I also defended each part of the Particulars of Claim with an exhibit of evidence of trying to pay and their refusal.

Of course I agree that PDC can add charges but surely they have to be reasonable?

Thank you

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then i'm puzzled as to why you never got an N180 etc to transfer this to your local court and for it to be heard by the judge.

was the claimform served to the correct address?

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 thanks again for your help.

The Claim form was sent to my son's address but we have his post redirected by Royal Mail to us.

After filling in the forms etc and returning them ( I have electronic receipts for them) it seemed to take along time.

 

In the meantime PDC were emailing me to say they have not received anything from the Court etc, I assured them that I had replied to the Court.

I rang the Court when I at last received the Judgement for Claimant (in default) and asked them how it had come to this without any explanation.

 

The judgement says I had not replied to the Claim form, but when I spoke with the Court they say I clearly had!!

They do seem a bit confused.

 

Today I received an email from them after calling them and writing in again saying "upon checking our case management system it appears the Claimant rejected your part admission offer and this was then referred to a Deputy District Judge for directions.

The DDJ them ordered that Judgment be entered as requested by the Claimant.

 

The judgement for claimant says I must pay the claimant the total of £833.20 by today.

PDC Law refused this payment from me today saying it had gone up to £2k plus.

I informed the Court of this and they were shocked that PDC had refused it.

 

 

Thank you

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why did they send stuff to your sons address?

I believe following letters have a do not redirect box on them ??

 

somethings are no right here on many fronts.

 

is this your debt or his?

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 only pay £833.20 as per the judgment....as they have refused payment inform the court and instruct the court that the CCJ must not be registered because the Judgment Claimant is refusing to accept and trying to get you to pay more...which is not part of the judgment.

We could do with some help from you.

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Thank you so much on your clarification of this.

This is exactly what I thought.

 

I have informed the court yesterday, and although everyone there is very helpful things are very slow, and you never speak to the same person twice.

 

I will be calling them again this morning and I will post the outcome on here, so it may help others in my situation.

 

The debt is his and I am dealing with it for him.

My son does not live at the property so we have his post redirected to here through the Royal Mail re-direction service

Yes I agree with you it does not seem right.

Edited by dx100uk
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HI

 

This is still on going,

the court have reiterated that the judgement is correct and that they should accept the payment.

They wont and have now written to my building society.

 

Well they have not they have instructed an Indemnity Legal co to do it.

 

Now it looks like this Management Co instructed debt collectors, debt collectors passed on to their legal department now passed on to a company I have never even heard of!

 

Also I might add the original management company who instructed the debt collectors have been sacked by the Claimant.

 

I am so confused by this and cannot find any advice anywhere, I seem to be going around in circles.

 

Still do not understand why a judgement in default was sent out when I filed a part admission, acknowledgement of service and a defence all within the time frame.

 

Has any one on here had dealings with a First Tier Tribunal as I might go down that route.

In the meantime this is holding up the sale of my property!!

 

Any advice gratefully received

Edited by dx100uk
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why is it holding up the sale of YOUR property when this is your SONs debt/judgement?

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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sorry I am not being very clear, its holding up the sale of my son's property.

 

Does any one know that if he lands up paying these people their excessive charges can he go through the process of First Tier Tribunal to ask them if they find the costs reasonable?

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the CCJ should not even be registered ….. how is it holding up a sale?

 

as post 10...

 

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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Share on other sites

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 The National Consumer Service

 

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

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Thank you for your replies. I do agree, it seems that something has gone wrong here.

Its holding up the sale of the property as the Claimant has issued a Section 146 on the Building Society (never received by us),

 

I have sent all explanations to the building society and supporting documentation that I tried to pay the Judgment but it was not accepted.

The Claimant (Landlord) to be honest know nothing of this as they are no longer represented by the Managing agent who instructed the Debt Collection Agency.

 

The original debt is less than £400, just a four months service charge.

The Notice with the Building Society is for £2300.00 so that's £1900 of costs all because I disputed the amount of their initial letter fee.

 

If the Court has handed my case wrong, will I have any comeback on this?

Also what chances do I have if I pay up just to get completion of the flat sale, of winning back some money from the Debt Collectors and their so called lawyers.

 

Ive heard something about a First Tier Tribunal?

Edited by dx100uk
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I did ask the Court not to register the CCJ.... they said it was between me and the claimant and up to me to sort it out with them.

They would not accept payment of the judgment so I could not.

 

You would think that if a Court has ordered something they would back you up on carrying out their instructions or what is the point of the whole damn process!!

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" Still do not understand why a judgement in default was sent out when I filed a part admission, acknowledgement of service and a defence all within the time frame. "

 

Any admittance automatically guarantees judgment and its registration ...you dont have a default judgment....always defend all the claim and then you can thrash out any disputes during the process...which you are afforded because you defended all.

 

 

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 OTHERS

 

 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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No its not correct....a part admittance can not be a default judgment...a default judgment is when you fail to respond to the claim.

 

It should be a Notice of judgment for the partial admittance.

 

All explained din the CPR link I posted previously.

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 The National Consumer Service

 

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

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Ok thank you I did read those notes and I have done previously as well because I found them independently but could not understand them.

 

Do I have a leg to stand on in complaining to the Court then.

I may have to just pay the whole sum requested by the Claimant though and hope to get some of it back through other means, or the sale may fall through.

 

They have me up against a wall really, and they knew this all along, but I am not one to give in without a fight even though its cost me in the end.

I do really appreciate your help, not been able to get advice anywhere on this.

 

Just to clarify...

when you say failed to respond to the claim...

do you mean when you received the papers from the court...

that's when I filed a defence part admission and acknowledgement of service all within the time limits ?

 

I did not fill in the Claimants initial form's as I was not disputing the debt only their costs.

Thank you

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Whether its a default judgment or not its irrelevant to your problem....the fact is you have a CCJ...which as stated is because you part admitted...always defend all then argue the ins and outs later.

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 The National Consumer Service

 

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

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I think the confusion happened when you were talking here as a third party and then as your son.

 

if you part admitted the CCJ on behalf of your son, there was never anything you could have done.

 

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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