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    • Hi @Andyorch   Some update - I have informed the mediation as suggested and received a letter from court saying they'll be transferring it to local court on 30/10/19.   Yesterday I have received the attached,  I have not received any correspondence from them on the 19th Sept as stated on the letter They have sent through "Reconstituted credit agreement" Seems they had received this from Barclaycard in August but only just sent it through - is this a tactic? Would welcome some feedback.   Many Thanks   T CCA_Respose_Rec_20_11.19_Edited.pdf
    • That's not to say a Firmware update over the 'net couldn't add that functionality later, to allow a remote OFF.  There are issues with connectivity in some areas where they can't install them due to bad mobile signal, the meter uses an onboard SIM to connect so has no impact on a consumer's home internet.
    • This page from Shelter seems to have the answers to some of your questions.   https://england.shelter.org.uk/housing_advice/repossession/what_to_do_when_your_mortgage_lender_starts_court_action/decisions_the_court_can_make   HB
    • So had your friend left the country without leaving a forwarding address or getting someone to open their post? If they hadn't made arrangements I'm not sure if you can say that the claimants are at fault.   HB
    • Hi dx, please see below.  I don't think I have a defence! 🙄  Don't want to end up having to pay a shed load of court costs on top of what i already owe. What would your advice be?    Name of the Claimant  - Lowell Portfolio Ltd   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.  19th November 2019   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - 22nd December 2019   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Particulars of Claim   What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down.   Capital One (Europe) plc with reference xxxxxxxxxxxxxxxxxxxx and currant balance of £274 J D Williams & Co Ltd with reference xxxxxxxxxxxxxxxx and current balance of £375 Shop Direct Financial Services with reference xxxxxxxxxxxxxxx and current balance of £1129 Shop Direct Financial Services with reference xxxxxxxxxxxxxxx and current balance of £1490 The agreements were terminated as payments were not maintained and subsequently assigned to the Claimant And the Claimant claims: a) The total ot the said sums being £3268 b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue but limited to one year being £256 c) Costs   What is the total value of the claim? £3,268   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) I don't think so, I received lots of threatening letters but not sure     Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card and catalogues   When did you enter into the original agreement before or after April 2007 ? Not sure   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...)  yes - 3 defaults on credit file under Lowell's name   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. - assigned to Lowells   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure   Did you receive a Default Notice from the original creditor? No   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not sure   Why did you cease payments? Financial Difficulties   What was the date of your last payment? Around mid 2018   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No  
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onestressedwoman

pcn received 75 days **PCNs CANCELLED AFTER ADMIN ERROR**

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Hi 

 

I've received a PCN 74 days after alleged contravention.

On PCN they have vehicle noted as unknown.

 

Seriously can they issue a PCN this long after contravention

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What's the contravention, some sort of moving traffic offence?

 

Is it a hire or finance vehicle?

 

Whose name and address is on the V5C registration document?

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It was a no right turn by cctv camera and V5 in my name at my address

Owned 

The PCN was the day after I bought the vehicle

I changed ownership on day of purchase online - V5 online

 

 

 

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I suspect that the DVLA had not updated their records by the time the council applied for details of the registered owner and therefore the pcn initially went to the previous owner.

 

The date the DVLA actually updated their record is on your V5c under Doc Ref:

 

Presumably the previous owner made reps that they weren't the owner at the time of the contravention.

 

Once the council were satisfied that the previous owner wasn't liable , they then issued the pcn to you, which they are allowed to do and the normal 28 day limit for service does not apply.

 

All of that takes time which will explain at least most if not all of the 74 day delay

 

I suggest you register at pepipoo.com. Don't use a hotmail email address. They will need you to post any documents/pcn you've recieved

 

 

 

Edited by Michael Browne

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Michael 

 

I have checked the V5c has the date of purchased.

So the car was registered to me.

 

So the delay was not down to dvla giving them incorrect information.

 

Appeal ???

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On your V5c .

Section 9

Doc Ref No is 11 digits followed by a date. That's tte date the DVLA updated the change of ownership.

If the council asked the DVLA for details on or before that date they would have been given the previous owners details. It's all done electronically.

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Are you sure you are looking at the doc ref date and not just the effective date of transfer to you (ie when you bought it)?

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Ok so. Totally confused now.....

The date below doc ref is also acquired date.

 

I'm reading this from the box right hand corner of the first page of V5

 

 

😕 On the inside log book your right 😮

On the front it says date of purchase in  but inside it has a date that's 13 days later 😲

 

so ooops I appealled them today 

 

Under section 2.4 9 of code of practise of operation of CCTV 😕

 

i even checked there had been no delay in DVLA providing information.

 

 

 

 

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Michael

 

Letter from  local authority today.

Both tickets cancelled due to an administration error!

 

Code of practice is worth check, I think, before any  considering payment of these CCTV issued tickets 

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