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    • I have added their poc in your above post for clarity.   you need to address para 3.    bump point 3 forward down 1 number and add in:   3. Paragraph 3 is denied as I am unaware of any legal assignment or Notice of Assignment allegedly served in yyyy by either the claimant or the original creditor .    if mcol is still flaky ….   MCOL is only one way of responding to a claim.  . If you are having problems logging in, or would prefer not to use MCOL,  you can fax, email or post your response to the Court instead.  If you send your response by e mail  please send it to ccbcaq@hmcts.gsi.gov.uk and ensure you quote “Claim defence response” and quote the claim number in the subject field.  . neither by email nor MCOL do you need to inc I confirm that the above facts and statements are true to the best of my knowledge and recollection.
    • you should have done the pictures weeks ago not leave it till 1 min before you need to file a defence. you've been here +6yrs and have numerous court threads and numerous private parking ticket threads  but somehow always seem to screw up one way or anther..   if you look on google earth street view you can see the cameras and the entrance/exit layout which matches the photos from that link I gave you and your upload which I've now redacted properly now .   POC   1.Claim for monies outstanding from the Defendant in relation to a parking charge (reference 00000000) issued on 10/10/2019.   2.The signage clearly displayed throughout KFC (Walkden Manchester) states that this is private land, managed by ParkingEye Ltd, and that it is subject to terms and conditions, including a max stay period, by which those who park agree to be bound (the contract).    3.ParkingEye’s ANPR system captured vehicle 000000 entering and leaving the site on 07/10/2019, and overstaying the max stay period.   4.Pursuant to Sch 4 of the Protection of Freedom Act 2012, notice has been given to the Parking Charge payable upon breach.   5.As no response was received, an alternative service address was obtained and further correspondence issued (CPR 6.9(3)).   defence:   1. i am the registered keeper of the car Reg No. xxxxxx mentioned in the claimants claim.   2. the defendant denies that any monies are due to the claimant because there was no breach of contract to create a cause for action.   3. The claimants Accredited Trade Association, the BPA has a MINIMUM grace period of 10 minutes to allow the necessary consideration of the offer of conditions to park and other actions before any contractual condition can be applied.   4.The defendant denies exceeding any free parking time in addition to said grace period as neither the land owner who may have employed the claimant to manage parking with a current paid for contract covering the date of the overstay nor the claimant have any legal authority to vary any free parking period granted by the relevant council upon issuing the original planning consent for the entire walkden retail park.    needs firming up people...   you can file by email if MCOL is playing up still though from research today 99'9% of all PPC claimforms are being postponed for many months by all courts now,      
    • OK, excellent, please take pix both of KFC signs and also the signs in the surrounding car park, as I reckon that KFC has unilaterally tied to change the permitted parking time in their bit of the whole car park.   Also park in the main car park, not KFC, as I've read reports of invoices being issued for motorists who have parked in the KPC bit even if it's closed at the moment!!!   Could you reply to what I asked in post 57 please?  If you don't reply, it's difficult to give appropriate advice.        
    • I’ll get a picture of the signs tomorrow and see where I get ringing the council about the planning. Also how long do I have to get the defence in? I know you said I will have leeway but I can’t have that much.    Thanks  Andrew 
    • now read the letter properly and carefully.... doesn't say WILL anything...   unless you are purposefully buying these in bulk and knowingly doing it their client will not be the least bit interested in you.
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Cosmicdancer

Lowell Solicitors , Capital One , CCJ , Enforcement

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Lowell Solicitors sent me a letter in December 2018 saying on 08/08/16 a CCJ was entered against you and you were ordered by the court to pay £50 per month. I haven't paid anything on it.

 

It says they are considering options to enforce the CCJ as its in arrears.

 

The amount of the CCJ is £499.13

 

It also says to avoid the possibility of enforcement action we need to agree a payment plan with you.

 

This CCJ was issued years ago to an old address, i now know it's my responsibility to inform them of my new address and my circumstances at the time would not allow me to do that but i was just hoping for some advice.

 

It was originally a Capital one credit card.

 

Thanks

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global debt situation is here

https://www.consumeractiongroup.co.uk/forum/showthread.php?492645-various-old-debt-help-please

 

I would suspect this will resolve itself by using an n245

but as you are unemployed there is little they can really do to you.

 

see what the experts say.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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" This CCJ was issued years ago to an old address, i now know it's my responsibility to inform them of my new address and my circumstances at the time would not allow me to do that but i was just hoping for some advice. "

 

What were your circumstances ?

 

Can you afford to pay the £50 per month now ?

 

Andy


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Hi Andy thanks for the reply.

 

I have around £150 saved up in a credit union , i have also had a medical assessment for PIP benefit which would boost my income a little bit. I currently receive ESA . Is paying £50 a month my best option?

 

- - - Updated - - -

 

Also my circumstances i was homeless and i had a severe drinking problem.

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I've coped this info from my other thread incase it's more suited on here.

 

Thanks for your replies!

 

I have looked through a drawer i was shoving letters in,

 

I've received 3 letters from Lowell Financial LTD. in the past 2 months.

 

The accounts are:

-JD Williams £217.04

-Vodafone £780.07

-Vanquis £800.00

 

Letter #1 is dated: 28th November 2018

 

contents:

"Having assessed our options, we are considering instructing our solicitors to take legal action against you on one of the above accounts if you do not come into contact with us and agree an affordable payment plan.

 

letter #2 dated 12/12/28

 

Contents

 

Top half - We may instruct solicitors to take legal action to recover one of the above accounts unless i arrange a suitable payment arrangement on ALL accounts.

 

 

bottom half - Offering 20% discount on all of your above accounts if you setup a repayment plan by 26/12/18.

 

Letter #3 Dated 27/12/18

 

Contents

 

"We recently wrote to inform you that if you do not contact us to agree how you will repay your accounts , or let us know why you are unable to do this, we may take legal action on one of the accounts listed above.

 

We have now selected your vodafone account with the Lowell reference ##### for possible legal action.

 

Legal Action Assessment of your vodafone account.

If you do not contact us by 10/01/19 to agree repayment solicitors may be instructed to take legal action to recover the selected account.

 

This means court fee's solicitor costs etc etc will be added to the account which will increase the amount owed.

 

Thanks for your replies!

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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 OTHERS

 

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

 

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

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Thanks for the reply Andy , is this CCJ a debt i will have to pay ? So should i look at paying as much as i can afford to clear it quicker? Or is it acceptable to offer a £1-10 token payment on the CCJ ?

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you only offer what you can comfortably pay on an ongoing basis.

taking into account that your situation might not stay stable, don't run yourself short.

 

its worthy to note they cant be that serious if they've waited 2yrs+

 

offer £10


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Thanks for the reply Andy , is this CCJ a debt i will have to pay ? So should i look at paying as much as i can afford to clear it quicker? Or is it acceptable to offer a £1-10 token payment on the CCJ ?

 

When you complete the N245 I&E this will reflect your financial position..your offer should be made in line with the figures presented.


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 thread please PM me a link to your thread

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Thanks a lot for the replies i am going to get onto that this week. Do i send it straight to the court? I'm not sure which court or do i send it to Lowell solicitors ?

 

Thanks!

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your local court will do.?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Thanks a lot for the replies i am going to get onto that this week. Do i send it straight to the court? I'm not sure which court or do i send it to Lowell solicitors ?

 

Thanks!

 

The court that issued the CCJ..if you never defended the claim then it would be CCBC Northampton.


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 thread please PM me a link to your thread

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