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    • Yeeeeees! Well done on your victory!  👏
    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
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3 ccjs at old addresses


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I received a ccj through the post which looked like it had originally been sent to my old address then amended and sent to my current address.

I checked my credit report and turns out I have 3 at old addresses.

I missed the 30 day deadline to pay them due to going to the wrong addresses but don’t have the money to pay them anyway.

 

They are

 

1. Lowell’s £241 for a H&M account

2. Lowell’s £549 for a credit card

3. BW legal £414 pay day loan -i took out for partner but he never paid

 

they we’re all due to be statute barred this year accord to my credit report.

 

ive lived at my current address 18 months and on the electoral roll since day one.

Two ccjs went to my last registered address which I left in 2016 and one went to the address before that which I left in 2012.

 

2016 I moved into a woman’s refuge due to domestic abuse inc financial abuse where my partner would give me “pocket money” and clearly hid letters about debts as he’d told me he’d paid them! He even lied to hmrc about his income causing an over payment that I now have to pay back!

 

I haven’t worked since 2013 as had to stay home with the kids while he worked and since being on my own childcare proved to expensive to go back to work.

I called step change and they’ve said to offer a token £1 payment using form N245 as my income is -£250 a month so I don’t have the money to pay the ccjs.

 

i was thinking a DRO might be better as I have other debts on my credit file too including another pay day loan coming up for statute barred so they’re likely to apply for another ccj.

 

i really don’t want bailiffs turning up

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i'm interested in the one where you say the address was amended, what was amended the address on the judgement after they got it, expand please.

 

I think you need to be clear on what a bailiffs can actually do on a consumer credit debt.

the truth being very little if you ignore them.

you don't have to even engage with them

there is most certainly no right of forced entry on CCJ's so forget about losing your kids toys like you feared in your other thread.

 

not the best resolution p'haps.

but dont go thinking every CCJ gets bailiffs involved

its only if the claimant goes back and asks for them to be involved

 

until or unless any of the claimants chase you i'd let things run.

 

now the DRO

its never a good idea to turn unsecured consumer credit debts into something more formal.

you indicate you have other debts too.

you also indicate you have numerous PDL's

I would be starting an irresponsible lending claim against EACH PDL lender inc the one with the CCJ.

 

if you credit rating was already shot [sounds like it] with numerous default and other PDL's you could be in for a good wipeout of them and poss money to you pocket

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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I received a letter from bw legal saying a ccj had been issued against me and they’d included the form.

it was a county court form and my old address was on the left crossed out in red pen and my new address on the right in the second defendant box.

It had a red date stamp on the bottom so I guess they sent it back to the courts and got it amended maybe??

However I ignored it cause it came from bw legal and not the courts

 

Thought I’d be proactive and find out when I last paid vanquis but they said they don’t hold any information as it was all passed to Lowell in 2013.

Edited by dx100uk
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well you cold scan it up to PDF read upload

then we can see it and try like you to work things out.

 

do you remember when you took this vanquis card out?

nothing on you credit file?

 

is there a possibility that you hadn't paid it for 6yrs before they got the CCJ?

just because it was poss SB'd that wouldnt stop them from getting a backdoor CCJ as no human ever checks anything

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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Northampton CCBC MCOL will have altered the address manually and returned it to the Claimants Sol to serve on you...you should have responded to it.

 

Andy

We could do with some help from you.

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can you scan up the letter BW sent please PDF read upload

when was this sent to you if you cant do that///

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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Have you not heard anything else since the 13th Nov letter ?

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

 

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Yes. Had a letter saying that I had to pay £50 a month starting January I think and then another letter saying I’d missed the payments.

 

I also took my brothers advice to write to the court asking for the judgement to be set aside. He’s successfully done it before but not even sure what grounds he wanted me to argue it on. But that just resulted in the court telling me to fill out a form and submit it which I’ve not done after reading more about it on this forum

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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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You dont have a valid reason to set a side...unless you can prove they had your new address.....so follow the advice you have already been given by Stepchange...

 

" I called step change and they’ve said to offer a token £1 payment using form N245 as my income is -£250 a month so I don’t have the money to pay the ccjs."

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?406098-LEGAL-N245-Application-for-suspension-vary-an-order-**Correct-as-at-Feb-2017**

We could do with some help from you.

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So does that mean i’ll Have them forever then? I assume ccjs drop off 6 years after cleared?

 

Also what about the other two ccjs?

 

Doesn’t the fact that I’m on the electoral roll count or do I have to notify them personally of a change of address?

Edited by Andyorch
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Correct it does fall off the Credit Files....but its still enforceable and collectable....unless you have paid it in full.

 

The other CCJs are they chasing...have they wrote to you ?

 

Its your responsibility to update all creditors with a COA

We could do with some help from you.

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They’re not chasing me at this address but did write to me here so don’t know why the ccjs went to old addresses unless they were fishing to see if I was really here and the ccj has to go to the address they have in record.

 

So to clarify the ccjs fall off automatically after 6 years whether cleared or not? Or only if cleared?

 

What about what dx100uk said about irresponsible lending?

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The CCJs will show on your CRAs for a period of 6 years..like normal defaults.....It will appear on the CCJs Register for 6 years...whether paid or not paid.

 

Even when they fall off it does not stop the threat of Bailiffs ...they can try to enforce after 6 years.

 

Creditors are allowed to serve a court claim at the last know previous address unless you have written proof that you have updated the address and they have since written to you at the new address before the claim was made.

 

If you wish to consider a ILC that must be made to the original creditor and has no connection to the CCJs

We could do with some help from you.

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So if they’ve written to me at my current address just before the claim but I’ve not updated them I can’t apply for it to be set aside cause I didn’t formally update them?

 

Also if I do contact them is there a chance they can reissue the ccj so I get the 31 days to pay like bw legal did?

 

I’m not really sure what to do about those two.

 

this also brings me back to my original question about a DRO cause I don’t want to be chased for the rest of my life. 3 debts are already formalised I only have 2 more defaults after them and 1 I don’t have a chance in hell of ever paying

Edited by renee125
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So if they’ve written to me at my current address just before the claim but I’ve not updated them I can’t apply for it to be set aside cause I didn’t formally update them? If they have written to you at your current address before the claim then yes you can set a side

Also if I do contact them is there a chance they can reissue the ccj so I get the 31 days to pay like bw legal did? No

 

I’m not really sure what to do about those two.Dont do anything subject to the date of the CCJs..unless they contact you

 

this also brings me back to my original question about a DRO cause I don’t want to be chased for the rest of my life. 3 debts are already formalised I only have 2 more defaults after them and 1 I don’t have a chance in hell of ever paying

 

DROs are an option providing you full fill the qualifying criteria....

 

What are the qualifying criteria for a Debt Relief Order

 

You must have no more than £50 left over each month after paying your household bills

You can’t own a vehicle that’s worth more than £1,000 – though vehicles adapted to help you with a physical disability are exempt from this cap

You must not be subject to any current bankruptcy or IVA proceedings or have had a DRO approved in the last six years

You can’t be a homeowner

You live in England, Wales or Northern Ireland

Your current qualifying debt balances must not total more than £20,000

You can’t own assets worth more than £1,000

You must have lived or run a business in England, Wales or Northern Ireland for the last three years

An official receiver will be assigned to deal with your DRO application. The official receiver can investigate your application and reject it if you have:

 

Given away a property or sold it for less than it’s worth in the last two years

Favoured any of your creditors by paying one more than others in the last two years

If you apply for a debt relief order (DRO) it’s an offence to mislead the official receiver about your situation.

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

 

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Well I personally would hold fire for now and do nothing with regards to the other 2 CCjs unless they make contact...once over 6 years and providing you have not made any payment to the CCJ the Judgment claimant must seek permission to enforce the judgment (IE Instruct Bailiffs)

 

In regards to the one we are discussing here (2018)...until you actually receive notification that they have applied for a Warrant..do nothing..but if they do then you must submit an N245 and get a regular minimal payment going on a legal footing through the court.

 

Andy

We could do with some help from you.

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

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In my experience it's completely random. One CCJ I received in December 2012, I ignored the You must pay us 50ppm letter, and it dropped of my CRA file acouple of months ago with no attempt to enforce it. Another one I had from Lowell, it took them 2 years to contact me threatening enforcement, and the last one was immediate.

 

It's definitely the best advice to sit tight and wait for them to contact you.

We could do with some help from you.

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