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    • the councils notice to owner wasnt even addressed to YOU at your home address as the named driver.  the NHS should have responded to it naming you to the council as the leaser THEN the council should have sent YOU new PCN to your address this resets everything back to £25 if paid within 14 days, else £50...NOT £159. i will guess they didn't? so you neither saw nor got the YELLOW PCN sticker envelope from the windscreen of you car at the time of the offence, nor were sent one later in the post, this PCN is probably appealable -  use the forms i pointed too above (ONLY do this if you def never saw/got a PCN dont appeal if you did) lie )  now as for the bailiff ...you said earlier: what cause you to ring the bailiff? you must have gotten the Notice Of enforcement through your letterbox NOT a txt or phonecall.  lastly... the NHS where you are should NOT BE DOCKING YOUR WAGES FOR UNPAID COUNCIL PCN's (if thats what this code 236 is in your lastest PDF?) if you've a union there id go have a chat with their legal rep. anyway look im not being funny but you seem all over the place so we cant really rely upon just today's story .... with CCJ's toll fees  PCN's wages being docked  and poss debts too? you must be all over the place...hence the pirate ship comment. if you want help with all of it. get your head together on each problem start a thread on each (even debts) and WE WILL HELP. just before i go. it makes me laugh a finance company arnold clarke paid a toll fee £2.20+£32 admin fee + £20 their FEE... have you always had the same car since last summer? thats totally bonkers for them to even be involved in.    
    • It is my work lease car address (hospital). They added 12.50 too for admin fees 🤨. Lease.pdf
    • they should not be docking your wages for ANY PCN's thats £452 they've taken for WHAT? i VERY much doubt its for this PCN at ALL!! the maths makes no sense. even if it had gone all the way through to bailiffs they can only add £310, £310+£50=£360...not £452!! .................... i have attached one of your pdf's, is that your home address blanked out in otherwords that notice to owner went to YOU? so this pcn with bailiffs (IF its the same numbered one!!) wasnt paid in 14 days @£25, so it went to £50. now you state there was no pcn on your windscreen, though the NTO attached states there WAS. so you did not get the original PCN, the council never sent you one with your name and address after they must have been told who was leasing the vehicle when the council wrote to our employer the hiree and they told them you were the leaser from the trust. the council should have sent a new pcn and  reset everything. so you appear to me to have legal cause to appeal using the correct forums by reading        
    • Can't remember the original creditor now but it will have been a CC. Last payment to OC would have been a long time ago, as I recall, I think it was almost SB when they took it to CC - around 12 mths left ish. Thx, I'll wait to hear from the court then.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Cabot/mortimer ClaimForms - 2 sep Next Account Cat Debts


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is the account number in the poc for each N1 the same?

 

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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so just to be clear

you each DID have separate next accounts?

but yes as you say the 'process' will be the same for each N1

so anything suggested here 

you must always do for EACH CLAIMFORM...

 

though this answer puzzles me..

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? - Yes to both debts. :lol:

 

pop up on the MCOL website detailed on the claimform.
.
 register as an individual
 note the long gateway number given
 then log in
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked.
 click thru to the end
 confirm and exit MCOL.
.
 get a CCA Request running to the claimant
https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/
 leave the £1PO blank and uncrossed
.
 get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant]
https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/
.
type your name ONLY

no need to sign anything
.
you DO NOT await the return of paperwork.
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]
 

 

  • Thanks 1

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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who are the sols?

restons or mortimer

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

  • dx100uk changed the title to Cabot/mortimer ClaimForms - 2 sep Next Account CAt Debts

CCA gets the agreement 

and they must comply

 

CPR is a request and they don't have to comply.

 

leave it as is

request all in its list

 

 

 

  • Thanks 1

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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  • AndyOrch changed the title to Cabot/mortimer ClaimForms - 2 sep Next Account Cat Debts
  • 2 weeks later...

by 1st july 4pm

  • Thanks 1

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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  • 2 weeks later...

look at post 1 we space it.

 

if you pick say para 2 

 

what I usually do is copy and paste that into our custom google search box

which results in

https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=The Defendant failed to make the minimum payments Due %26 the Agreement was terminated. &oq=The Defendant failed to make the minimum payments Due %26 the Agreement was terminated. &gs_l=partner-generic.12...176530.176530.0.177833.1.1.0.0.0.0.146.146.0j1.1.0.gsnos%2Cn%3D13...0.0...2.34.partner-generic..1.0.0.Kw6xclzY6CE

 

numerous examples of the holding/no paperwork defence above to base yours on

 

post it here 1st mind

 

dx

 

  • Thanks 1

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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an agreement

financial dealings

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 year later...

how did this go?

claim got autostayed?

 

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

:rockon:

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

  • 11 months later...

Open

  • Thanks 1

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

as long as they have your correct and current address then you should have blocked/bounced all emails long ago.

how did they get your email, did you leave it on your copy of the n180 to them?

 

those docs ....certainly the cca doesnt meet all the requirements regarding prescribed terms etc and no T&C's either.

 

dn looks compliant so does the NOA.

 

 

just trying to make you wet yourself.

 

 

 

 

 

 

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

  • 1 year later...

You should have received a copy of their n244, from the court?

 

The costs are just willy waving to make you wet your yourself and cough up 

 

Other than needing all the docs, you've not had anything previous?

 

Have you moved recently?

 

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

you moved sept 2019

the org claim was made may 2019

you have not updated the court upon your new address i bet !!

 

they've sent the n244 to your old 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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Share on other sites

it would not have been transferred out till they raised the n244 - no reason not to update the court of a change of address!!!:frusty:

now you've a big problem as you did not update northants bulk and they sent the n244 to your old address.

 

you need a copy of that n244 urgently.

 

 

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

when did you update your details exact date?

go check mcol now

what address does it state

 

if this is a court error you'll be ok.

 

we dont know if they are solely relying upon the old docs you already have or if they have filed a whole series of the ones you wanted .

 

you will most probably will need to ring northants bulk monday am and ask for a copy/.

 

p'haps @andyorch will pop in and clarify.

im not firing on all cylinders at present.

 

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 news well done on the evidence!!

 

so a court mistake.

 

dx

 

  • Thanks 1

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... 

Link to post
Share on other sites

so did you not get them to check they already had your correct address 

On 17/03/2023 at 19:50, kjw327 said:

know that I updated the address on 6 December 2021 as I have a screen shot that is time and date stamped.  

 

you should not be having to do this for a court error.

 

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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as far as i know that is not the correct action mcol should be resolving this its their mistake not your.

you informed everyone of a change of address this should not have happened and should cost you nothing

p'haps @Andyorch will pop in.

 

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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well done.

 

so we are back on 'track'' 

 

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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not much worth in the fact one cabot name is not FCA registered.

they will be covered by the cabot group registration.

 

Quote

 

Next is not able to provide a copy of the original credit agreement.

However, under the Financial Conduct Authority's Consumer Credit sourcebook at rule 13.1.4, a firm is able to reconstitute a copy of the agreement, and there is no obligation to provide a copy which Includes a copy of the signature.

This was also confirmed In the case of Carey v HSBC Bank plc POOg] EWHC 34 17.

 

A copy of the reconstituted Agreement can be found at pages 1 to 2 of the paginated bundle

 

 

urm.. i find it rather concerning that they state that the agreement is a reconstructed one and that next does not hold a copy of the original. BUT it has your signature on it...:whistle:

 

where has that sig come from then for them to reconstruct an agreement...that does not actually need your sig....:madgrin:

 

and the writer of the WS also states that his statement is made from hearsay evidence...important point this one.

 

default notice etc is all OK.

 

 

 

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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thats there yes but is it also signed by you or that part is blank?

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

Well update your own thread 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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Share on other sites

  • 1 year later...

what happened?

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... 

Link to post
Share on other sites

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