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    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Can a PPC (claimant) refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
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14 year old welcome finance CCJ now Intrum chasing


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Took a loan out 9 years ago with welcome finance for £2000

 

got into difficulty paying it back so stopped payments,

 

now 9 years on and 6 addresses later ive just had a letter at my current address from my local county court summon to appear before a court sheriff and demanding me to take a million documents, of which some i just cant get, its impossible.

 

Now i have been in touch with step change debt charity regarding my debts

and at present my outgoings are £230 a month more than my incoming and this is on basic living, i cant cut back anywhere.

 

Stepchange also told me that a CCJ was issued against me from Welcome finance in january 2013 and this local county court letter summons was to see if i could pay it all back, but obviously i cant.

 

What worries me more is the list of documents the county court has asked to see,

its huge, and half of it i dont have access too, and the other half ive probably thrown away throughout the years.

 

Really nervous what to expect to happen at county court.

 

At the time i took the loan with best intentions,

It was a unsecured loan,

but when i got in to difficulty i done the cut and run,

and 9 years later i have a county court appearance to look forward too, great.

Edited by dx100uk
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are you in Scotland?

 

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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sorry you said sheriff above..

 

ok if you not made any payment nor written any letters

 

me thinks this was statute barred whenthey went to court

 

and they served the ccj papers to the wrong address

 

not sure what you do now

 

but that's a slam dunk reason to get the ccj set aside and p'haps

kill the debt [as it should have already been killed

but the judge obv did not check any paperwork properly.]

 

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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I was told by step change that it does not get Statued Barred unless you inform the company (welcome) of your change of addresses and they do not persue you for 6 years,

 

 

as i never informed them of my change of addresses the CCJ still stands.

 

I have been told to offer a token payment of £1 per month for the forseable as i can prove i am living on a negative balance each month.

 

Just the thought of a court appearance is terrifying, now i know its not a criminal court its a civil county court but still

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what

stepchange is wrong there

 

doesn't matter if you don't tell a creditor you've moved!!

 

if the ccj was obtained 6yrs after you last payment or written ack

 

the debt was STATUTE BARRED when it went to court....end of debt!!

 

not even a JUDGE can unbar a debt.

 

unless there is something here we do not know.

 

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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i thought it was written off after 6 years also

 

but when i asked stepchange they said did you inform the creditor you were moving address,

 

i said no i just panicked and ran and forgot about it hoping it would go away,

 

and they said the CCJ is valid as i didnt inform welcome i was moving,

 

so how was they supposed to chase me for a debt if they didnt have my known address.

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if the CCJ was taken out WITHIN 6yrs then YES correct.

you could not setaside through purposeful serving to wrong address

as you did not tell them

however

 

IN THIS CASE [it looks like]

 

the debt was ALREADY STATUTE BARRED...END OF!

 

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

Stepchange are wrong. The debt is Statute barred regardless of what address they have for you. You need to get it set aside and state in your application that the debt has been statute barred for years and was statute barred when they applied for the CCJ.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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the fact that the OC were not informed of the change of address deems the CCJ was served correctly...

 

a lot of convincing and back tracking will need to be involved here.

 

i'd pos phone the court in the morning.

 

and ask them what is best to do now

tell them you knew nothing about the ccj & that you have discovered the debt was statute barred in [6yrs fromyour last payment date]

 

see what they advise

 

dx

Edited by dx100uk
merge

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

Ok have just phone the local county court, what a waste of time that was.

 

I asked why a CCJ was issued as it should be Statued Barred and she said no yo'rer wrong i think, but im not legally trained so go seek legal advice,

 

The second thing which concerned me was the list of documentation the court asked me to bring,

things like 1 years worth of gas, electricity bills, well my gas and electric is on a key meter wherby i pay cash to put credit on,

so i dont get a bill monthly/quarterly ect...

 

she just said ohh just bring what you can,

 

they make this list of documentation sound like if you dont provide it your going to be sent down, but if you havnt got it dont worry.

I think im more worried and concerned than i was before.

 

As for the court letter, im just confused,

the origonal judgement/order was given at Northampton County Court on 11th January 2013 and has been passed down to local county court who did send a baliff round who told me to fill in a income/outgoings form and return to court within 7 days, which i did,

then this letter arrived which is a order to attend court for questioning.

 

it says that i the judgement debtor attend xxxx county court on xxxx at xx time before a court officer at xxx address to provide information

about the judgement debtors means and any other information needed to enforce the judgement or order.

 

I am to answer under oath any questions which the court asks or allows the judgement creditor to ask

 

the court where the questioning will take place may make a order for payment of the costs off the application of the hearing.

 

I must obey this order and attend and if i dont i could be sent to prison for contempt of court

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right more of the story...so its not as you portrayed.....

 

it appears this has gone to court bailiffs, you didn't say that before.

i'll see if I can get help for you.

 

in the meantime

scan up what the bailiff left you 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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I dont have anything the baliff left me,

this was 4-6 weeks ago and it was just a income/outgoings form which i returned to the county court as requested.

 

This form i have been served now is a N39 form.

It says i can take a legal rep with me, who can this be, can i get a free solicitor to go with me, will someone from CAB go with me.

 

The baliff was not there to seize goods or anything just to issue the income/outgoings form.

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Surely this is just a straight forward set-aside on the grounds of being a irregular judgment as it's statue barred.

 

Shouldn't the OP be getting in a N244 for set aside,

 

write letter to court/judge asking for enforcement action to be stayed in the meantime.

 

And obviously unless told otherwise, attend court at the said time and explain the situation to the judge.

 

I think dwelling on that the OP moved address without informing creditors is not useful,

 

yes naughty naughty from OP, but extremely naughty for a creditor to seek a judgment on SB'rd debt.

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Suggest that a phone call is made to Welcome loans to find out when the last date of payment was and if possible that they send a email confirming this.

 

Then with the information file the N244 form asking for a set aside, with a request for any enforcement action to be stopped, while the set aside application is being considered.

 

For the hearing in regard to payment, you can just inform the Judge that you have applied to set aside the judgement and paid the relevant fee, so will await the outcome for that.

We could do with some help from you.

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Can someone explain to me the 100% legalities regarding a statued barred debt,

how and when it becomes statued barred, im being told 4 different things.

 

Im worried to hell over this court appearance and

 

when i spke to Step Change debt charity they said keep calm, dont worry about it.

 

You can prove your outgoing are more than your incomings on basic living and you cant cut back anymore

and you have no assets of any value as such,

 

the N39 summons is just the court wanting me to prove i cant afford to pay it rather than refusing to pay it.

 

Step Change said offer £1 a month for the next year and the review.

 

It should be noted that i have £2000 worth of priority debts of which i am paying off which include rent arrears/council tax arrears

and i have 16k worth non priority unsecured debts of which 5k

 

is this welcome finance one.

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Statue Barred:

If a period of 6 years elapses without acknowledgement of debt,

this can either be a payment or something in writing (from you) then the debt becomes statue barred.

This means it can't legally be enforced but the debt is still deemed to exist.

 

"legally enforced" is the key bit, i.e. it is not legally possible to incur a CCJ after 6 years. i.e. you should never have got that CCJ.

 

As said above ">6 years"="End Of".

 

Stop listening to this incorrect info you are getting from this charity

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does it not matter that i did not tell the creditor of my change off address and done a runner,

what step change is saying is the CCJ is legal as how are they supposed to chase me for a debt if they dont have my current address.

 

assuming you are right and this CCJ was wrongly issued after 6 years,

now a N39 summons has been issued what are my next steps to sort this out,

 

Its not like i can go to court and tell them they are wrong for issuing a CCJ,

i doubt they will like that.

 

have just found out that Welcome finance are claiming last acknowledgment of debt

was 62 months ago (5 years 2 months) from when the CCJ was issued in January 2013.

So now im starting to think ok the CCJ was correctly issued.

 

Fact still remains my outgoing are £200+ more than my incomings per month

and i have priority debts which come first like rent/council tax arrears.

 

So what will happen in court,

 

i prove this and offer a token payment of £1 per month.

 

Will this really be accepted.

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Does it matter if you don't tell your credit about move of address ? No

How does creditor chase a debt if they don't have an address for you ?

They are allowed to issue against the last address they have on file for you (i.e. the address you did the runner from).

 

--------------------------------------------------------------------------

 

However we are talking about your debt being Statue Barred under the limitations act,

it has nothing to do with your address, whether you did a runner or not, whether you owe the money or not.

 

It is purely about time, it's why it is called the limitations act.

 

Apart from the fact it is sensible to prevent enforcement after a great lengths of time, there is also another reason.

 

By law businesses and individuals are expected to keep financial records for 6 years, in some cases people are legally obliged to destroy records after 6 years.

 

Since legally we are not expected to keep records for 6 years, and in some cases have to destroy,

how do you expect someone have a fair hearing if there is no records available ?

 

Ok have just found out that Welcome finance are claiming last acknowledgment of debt was 62 months ago (5 years 2 months) from when the CCJ was issued in January 2013. So now im starting to think ok the CCJ was correctly issued.

 

.

 

Quick question, is "Hegartys" or "IND ltd" mentioned anywhere on your paperwork ?

Edited by dx100uk
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Ok have just found out that Welcome finance are claiming last acknowledgment of debt was 62 months ago (5 years 2 months) from when the CCJ was issued in January 2013. So now im starting to think ok the CCJ was correctly issued.

 

Fact still remains my outgoing are £200+ more than my incomings per month and i have priority debts which come first like rent/council tax arrears. So what will happen in court, i prove this and offer a token payment of £1 per month. Will this really be accepted.

 

What acknowledgement of debt ?

 

Don't take their word for this. Was this actually a payment from you or a letter from you admitting that you owed the debt ?

 

I would still check into this.

We could do with some help from you.

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I agree it is Statute barred and any Bailiff could only enforce an order on the address on the Judgement not any other address.

 

As you don't live there - what are they going to seize.

 

They could apply for variation but then the issue of Statute barred comes up again.

 

I suggest you look up on the Internet - Limitation Act - Debts.

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you need to SAR welcome or get them to provide the PROOF of what they are relying upon to say it NOT SB'd.

 

just on this and the CCJ...

 

the fact that thedebt 'was' probably statute barred at the time of the CCJ, makes no odds to the CCJ.

with the info that was available 'at the time of the CCJ', it means the CCj was properly served.

 

that's what SC are probably referring too.

 

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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dx I see where you are coming from and agree with you,

 

however I have a feeling this CCJ will have been taken out by IND ltd,

and in the POC's they will have declared it as being statue barred,

well that's what they did in my case.

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Quick question, is "Hegartys" or "IND ltd" mentioned anywhere on your paperwork ?

 

Hegarty's rings a bell from somewhere but im not sure why.

 

due in court next tuesday 11th June,

 

 

ive very limited time to be deciding if the CCJ was wrongly issued or can be acted upon,

im not going to bet anything in writing from welcome in 2 working days.

Its the court things thats bothering me.

This is a unsecured non priority debt which i cant afford to pay,

i am paying priority debts back which are important and could result in being homeless if i dont stick to.

 

Im not denying i ever had this debt,

i did and what i did by running away was wrong,

but ive matured since then,

but my financials are still a mess,

fact remains i have to pay rent/council tax and this welcome crap is causing the most stress.

 

Ill just go with what documents i can gather and proof of income/outgoings and offer £1 per month for the forseable,

maybe then at least i can be a little de-stressed, i just hope the court accept that

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