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    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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ParkingEye ANPR PCN Claimform - Town Quay 2, Southampton


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thanks for explaining!

 

another question: my understanding is submitting detailed witness statements as the defendant in a case (and not as an actual witness) is an optional step (unless the judge orders it)? or am i wrong?

 

lastly, i will be travelling abroad with a family member pretty soon, is this going to cause any problems? i will be away from the 6th of september for approx 2 weeks, so I wont be able to respond to any letters/instructions during this time?

 

i am soon going to submit the defense statement dx100uk so kindly posted up a few posts ago, however I am also going to mention as a last bullet point that the claimant refused to comply with my CPR 31.14 request

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no please follow the std process when/if it gets to the disclosures stage [WS]

 

defence in post 71 updated

 

I cant see the DQ[n180] being issued before you return, and even if it is it has a greater timespam to reply than 2 weeks I think.

 

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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1 hour ago, Incontro said:

thanks for explaining!

 

another question: my understanding is submitting detailed witness statements as the defendant in a case (and not as an actual witness) is an optional step (unless the judge orders it)? or am i wrong? Wrong ....all claims require a statement being submitted by both parties (Claimant and Defendant)...the statement is your main response....courts hardly ever look at initial defences.

 

lastly, i will be travelling abroad with a family member pretty soon, is this going to cause any problems? i will be away from the 6th of september for approx 2 weeks, so I wont be able to respond to any letters/instructions during this time? There is a space box to complete for days you are unavailable see Box D4

 

i am soon going to submit the defense statement dx100uk so kindly posted up a few posts ago, however I am also going to mention as a last bullet point that the claimant refused to comply with my CPR 31.14 request....Fine although I'm not sure what a claimant could possibly disclose in connection to its particulars in this type of claim.

 

 

Andy

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dx, can you please answer my question about the wording?

 

in your previous posts, you said "3. Accordingly, it is denied that the driver breached any of the Claimant's purported contractual terms,"

 

Was the use of the word driver intentional? As opposed to say, defendant? 

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think about, what do YOU the DEFENDANT not want to admit too eh?

 

 

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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the answer is that it should read defendant right?

 

i know who the driver is... technically it could also be argued (based on evidence) that the claimant cannot enter a binding/valid contract with the driver either

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so you want to admit being the driver by saying the defendant didn't enter into a contract?

how did you know there was one before you ever got any letter as the registered keeper?

 

by saying 'defendant' you are admitting to the claim against the defendant in the poc that there could be a valid contract.

 

you can't have ....you were not there, the driver was! so driver is correct.....

 

 

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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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thank you!

 

defense submitted as per your advice (thanks again), unfortunately i couldnt find any option on the online MCOL form to notify the court of my unavailability as per Andy's suggestion.

 

should i send a letter via post to the court?

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Its not on MCOL.....its on the N180 Directions Questionnaire  section  D4.

 

Your not at that stage yet.

#

Andy

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you are weeks away from even getting that paperwork so stop worrying about your absence.

Pleas read and reraed this thread and others so you dotn keep making the same errors regarding choice of words. When we say something its use is precisely that, not a generality

 

so to reiterate, you write in the third person as the defendant and refer to all others by their title so claimant, driver, landlord etc not me, them, Fred, southampton harbour board etc

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  • 1 month later...

So sometime between Monday (23/09) and Friday (27/09), PE sent me a copy of the N180 form they claim to have submitted to the court. I cannot remember the exact date, and oddly the PE letter (with attached photocopy of completed N180 form) isn't dated...

 

But the court hasn't sent me the N180 form to be filled in... How odd.

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can i just double check some of the details im supposed to submit are correct:

 

* tick no to the small claims mediation service

* no for permission to use expert evidence

* number of witnesses=1 (section d3)

 

lastly, this form must be posted/completed as a paper copy, and does not exist digitally on MCOL right?

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Can this form be signed with an actual signature or must name be printed? I have done former unintentionally...

 

Let me know - I can redo the form if necessary.

 

Sorry for the late reply as I've been off work ill.

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the court copy yes sign it.

the copy to the PE you should omit sig/phone/email

as all other pcn claimform threads here already advise

 

 

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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  • 3 weeks later...

Freda2003, as this is Incontro's thread, I have moved your post to your own thread, as although similar the davice for you will be different, above all Do Not Appeal as yet nor offer any money until the Team have seen details

Your thread is here

 

 

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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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  • 2 weeks later...

On the topic of this topic...

 

Just heard back from the court, allocated to small claims track, set for a provisional hearing in my local (nominated) county court. Hearing date has been set for the end of March, 2020.

 

Guess I have to start carefully drafting witness statements, researching case law, etc. Any pointers/tips/advice I should consider?

 

What I find interesting is that copies of all documents intended to rely on in court are required to be sent to claimant in advance of trial... I know for small claims this seems to be the norm, but it's never like this in other court cases?

Edited by Incontro
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yes always.

 

what date have the claimants to file the fee by?

what date do WS's have to be exchanged?

 

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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what date have the claimants to file the fee by? --> 1 month prior to hearing date (1 month less 1 day to be more precise, by 4 pm)

 

what date do WS's have to be exchanged? --> no later than 14 days prior to hearing date

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no harm in preparing what your WS might contain

but if they don't pay the fee

there will be no need for one.

 

I would also take advantage of your LiP status in that you await theirs first if poss

 

 

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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but i remember seeing their n180 form stating that they had already enclosed or paid the court fee... maybe my memory is hazy, i will check again

 

yes but the deadline for the fee is too soon to the court date to properly prepare an argument imo, should probably start preparing soon(ish).

 

sorry what does 'LiP' stand for?

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Litigant in Person (i.e., not with a solicitor or from a large company with a legal department).

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