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    • Hello, welcome to CAG. As you say, appealing this ticket doesn't help as these people hardly ever accept appeals. They don't care how difficult someone's life is, they just want the money. The forum guys should be along later with thoughts for you on how to deal with this. Best, HB
    • I have received an email in the last 10 minutes 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024  It also includes a "Notice of Hearing" stating that the application hearing will take place on 13th June at 10.00am.  Confused as to whether I need to attend this ?
    • I've received this notice to keeper. I work for the NHS and was delayed due to patient care. I park here regular and and have never had any issues. I've looked at the evidence on the portal and other than showing that i entered at 12.59.33 and departed at 17:14:14 it doesn't state how long i overstayed for. I paid for 4 hours parking over the phone which i wont have done till i got parked but as its over the phone i have no receipt or record but it is not possible for me to have been in excess of 15mins from the photos alone but I'm unsure having read other threads whether grace periods are 10 or 15 minutes. I havent appealed yet but and was about to but in appealing i'm showing i'm the driver which i gather is something you state we must never do. I don't like confrontation but £60 seems extortionate. Hope you can help. 🤞 1 Date of the infringement 30th May 2024 2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 30th May 2024 [scan up BOTH SIDES as ONE PDF- follow the upload guide] please LEAVE IN LOCATION AND ALL DATES/TIMES/£'s 3 Date received 5th June 2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] No reference to schedule 4 just says"...we the creditor reserve the right to recover unpaid parking charges from the registered keeper in accordance with POFA 2012." 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up NA 7 Who is the parking company? Carpark securities 8. Where exactly [carpark name and town] Northgate, Halifax Former Dews Car Park HX1 1XJ For either option, does it say which appeals body they operate under. IAS There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   Notice to Keeper.pdf
    • It never seems to amaze me how the chuckleheads think that No Stopping can ever offer a contract when it is prohibitory. In any case you did not accept the contract by entering the land, you entered the land to get to the airport for goodness sake. In most car parks there is a Consideration period that allows motorists to decide whether they want to stay in the car park . Here on a road, there is no consideration period and whether the motorist finds the terms agreeable or not even assuming that they are able to understand that they are being hoodwinked into believing they are being offered a  contract they cannot turn back. They have a plane to catch and even if they did turn back because they didn't accept the  No Stopping term of   the so called contract they would still have had to stop to turn around. Plus there is a question of Frustration of Contract. You had to stop at a pedestrian crossing .    
    • Just a couple paragraphs their WS that it might be useful to refer to specifically in the OP's WS... Para 6 A contract was formed with "the driver" of the vehicle. Para 8 "The driver" accepted the contract. (The "driver" is not named, or identified anywhere in the WS). Para 7 WHY would there ever be a "no stopping" restriction in a car park? (In Para 10, they specify that it is a "car park"). Para 11 "The Defendant" became liable." Again, they have not shown that the Defendant was "the driver", simply the keeper. Para 20 "It is a matter of agreement"? Not really sure what they're trying to say here...
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daughter has 2 ccj's 1 in arrears help needed


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Hi all

 

Briefly my daughter 27 years old, has 2 ccj’s (1 she has failed to keep up payments on) plus other credit card debts.

 

She is living with me temporary at the moment with her 1 year old son while trying to find accommodation.

 

She is dyslexic in words and numbers (plus mental health issues bought on by debt) cannot work out basic change in money, she is unemployed, so she is on benefits due to health issues.

 

She was living with her biological father at the time who apparently controlled all the money coming in while making sure all the bills were in her name.

This resulted in the 2 ccj’s which he dealt with by completing the paperwork and ADVISING her not to defend them.

 

She has now received a letter from Lowell dated 23/08/2019 “Notice of County Court Judgement (CCJ) Arrears”

Listing enforcement action pending and all the things they can do to her.

And 14 days to pay money she does not have.

 

my thoughts, few as they are is the following:

Would it be any good using court form N245 for “suspension/variation” or would it be better to use form N92 Application for an “administration order”?

 

YES it is her fault for not asking advice BUT if you cannot trust your own father who can you trust?

Thoughts advice much appreciated.

 

T

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N245 vary both £PCM for each CCJ

 

are these recent

and when were the cards taken out please

and who with

 

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 she was ordered to pay £ Per calendar month

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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Hi all

dx

 

ref post 2 - my wrong no credit cards

 

ref post 4 - payments to Lowell Portfolio 1 - are 4 per month  at constant values small but add up, can post pdf of values if needed

 

Only reference is - Lowell Portfolio 1 - so she has no idea which payment relates to which debt

 

The only Active ccj listed on creditkarma is for a totally different case number and value?

 

Told her to close current bank account and open new one thereby cancelling payments, and to wait for paperwork through post?

 

Would this be the best way?

 

As regards paperwork for debts her relationship with biological is extremely toxic so no access to paperwork, just waiting to see what post delivers next.

 

T

 

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so blindly paying dca's on several accounts then?

 

you idea of stopping all payments to everyone might turn out to be the best idea ...

go get her credit file

that might help unravel the spiders web.

 

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

sorry for posting twice needed to edit but forgot

Hi all

dx

 

ref post 2 - my wrong no credit cards

 

ref post 4 - payments to Lowell Portfolio 1 - are 4 per month  at constant values small but add up, can post pdf of values if needed

 

Only reference is - Lowell Portfolio 1 - so she has no idea which payment relates to which debt

 

The only Active ccj listed on creditkarma is for a totally different case number and value?

The paperwork Lowell has sent her regarding ccj arrears, the Claim Number is shown on creditkarma under "Financial Account Information / Open Accounts / Other Accounts"

Not listed as "Active CCJ"?

 

Told her to close current bank account and open new one thereby cancelling payments, and to wait for paperwork through post?

 

Would this be the best way?

Is it still worth completing N245 to post tomorrow?

 

As regards paperwork for debts her relationship with biological is extremely toxic so no access to paperwork, just waiting to see what post delivers next.

Sorry for long winded post seems more questions than answers

T

sorry dx cross posted 

have credit file in front of me now

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Lowell are members of the CSA,

 

See below, from Section 3 K, 

 

 

https://cdn.ymaws.com/csa-uk.site-ym.com/resource/resmgr/docs/code_of_practice/code_of_practice.pdf

 

Doctor/s / consultants note off to Lowell, explaining why she isn't capable of responding, or defending herself, mentioning relevant parts of the COP.  Please back off  etc

 

They should drop it like a hot potatoe

 

 

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

 

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

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Re all her old address es showing on her credit file??

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,

 

Anything from a doctor / social work team will work, treatments, and why she can't respond.

 

 

 

 

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

 

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

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Hi

refer post 9: it is shown on Equifax as an "Active CCJ"

just goes to show - check as many credit agencies as possible.

refer post 8: the name shown on Lowell paperwork and on CCJ is not my daughters

Therefore I am struggling to complete N245 because of name difference

 

Posted letter to Lowell explaining situation and asking for "Debt and Mental Health Evidence Form" to be sent to her.

Any thoughts please.

T

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obv without specifics

what do you mean by not her name.

 

jane doe not june doe etc....

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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 just a spelling mistake.

 

you are the only one with that problem..

and there isn't one!

 

use the details and the name from the JUDGEMENT.

 

a change of name, unmarried to married deed poll or whatever does not invalidate a CCJ.

its the same PERSON.

 

 

 

 

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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