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    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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Lloyds 10yrs old CCj now sold to cabot **WRITTEN OFF**


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If its SB its dead as deceased as the Norwegian Blue on its back feet in the air in its cage.  Can't be resurrectedd

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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30 minutes ago, ohitsonlyme said:

 

The point I was trying to make is that if an old ccj could be clawed back by a credit cardot DCA then surely old SB debts would fall into the same category and executors would need to satisfy those too as technically they are still owed by many of us that have unenforcable CC Debts

 

 

 

That's why I recommended earlier in the the thread that you get some professional legal advice! The law on what Executors responsibilities are for SB'd debts isn't clear online.

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statute barred is statute barred END OF!!

 

 

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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That's logical and correct DX,  and how I understood it to work if they can't pursue the debtor  for the debt whilst they are alive, it can't be resurrected and charged against the estate or demanded personally from executors who knew diddly about that SB debt..

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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As advised statute barred debts are dead...if your alive or dead......so are CCJs that are over  6 years old and have never been executed or secured against property by way of a charging order.......no matter how much your estate is worth.

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  • 2 months later...

I continue to receive chase letters very other month from Cabot and have to date ignored them

 

This months letter states they will ask a company called resolve call to call at my home and "make contact with me"

what should my reply / action be in this situation

 

There was a template around at one time telling DC that you do not give them authority to call but I cant seem to find it

Only me again

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If Resolve call did fetch up, go out with a mask on and tell them to foxtrot oscar better still ignore them,

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We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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the reason you can't find that letter is because it was always pointless letter tennis anyway and should never have been used in the 1st place, old school twaddle.

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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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  • 3 years later...

I have recently made a will and would like to understand how to deal with an very old ccj bought by a DCA so that they dont try to claim on my estate when I die.

Pointers to other threads or advice welcomed

 

Onlymeagain

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How old is the CCJ ?  Roughly how much is it for ?

This type of debt is unlikely to be high up on the priority order for settling.

It would be up to executor to ensure they handle the estate correctly and deal with any liabilities in a priority order.  What if they did not know about the CCJ and distributed the estate without paying the CCJ ?  Nothing much the DCA could do.

 

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The usual thing is to put a notice in the Gazette (London Gazette) asking parties with claims against the estate to come forward. We gave 21 days today do do. The object being to protect the executor from subsequent claims after they distribute the estate 

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After 6 years a CCJ becomes incredibly difficult to enforce, it needs to go back through court again where it's likely a judge would seriously question why they couldn't collect during that period. Plus it would now have dropped off credit files and the CCJ register.  They are just trying to get money from you, ignore !

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Is the judgment secured by way of a charge on your property ?

Edit ....referring back after topic merge I see its not.:-D

 

.

 

.

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  • dx100uk changed the title to LLoyds 10yrs old CCj now sold to cabot - DCA Assigned debt and probate?

old and new threads merged.

your same questions was asked in 2020 and answered already then.

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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Things change

Ive got health issues  Ive been writing my will and learning about probate,

I could probably handle it if it was for someone else but my family couldn't

I am trying to tidy my issues up and dont want to leave this as a mess for my kids.

I want it out of the way and dont want to pay a scummy DCA

 

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forget it exists.

consumer debts even with CCJ's die with you.

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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Consumer debts Do not "die with you" if the estate has enough value to cover them 

 

The onus is on the exectors to pay any outtanding debts prior to benficiaries, It may not be enforcable but it is still a debt and by ignoring it the executors could be liable by acknoweldgning it the DCA will gain 100% of the £12k ccj that they paid pennies for

 

During my lifetime I can ignore it but if they continue to send letters after my death then the executors my wife and child have a legal duty to sort it out/ pay it  and I dont want thm to be left with the hassle or the costs of doing so.

What is the best way to stop the letters now while I am alive

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If this is causing you to worry, then it is up to you to decide the action you take.

Once an executor has paid beneficiaries, it would be very difficult for a debt owner in this situation to take action against the executor.  If there is a CCJ that is no longer showing on records, the deceased has left no paperwork and the executor is not legally required to post a notice to the London Gazette, then it is not the fault of the executor if a hidden debt is not paid.

Billions of pounds of debts are owned by these debt owners. Large numbers of people die with these types of debts never repaid.

If you don't want to die leaving executors in a position of not knowing what to do about tracing all debts and repaying them, then you have decided to take responsibility to tackle this yourself. And one way of dealing with this is to carefully negotiate full and final settlements. And once you have completed this, to leave full paperwork records so the executor can see you have dealt with it.

 

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  • honeybee13 changed the title to Lloyds 10yrs old CCj now sold to cabot - DCA Assigned debt and probate?
11 hours ago, dx100uk said:

forget it exists.

consumer debts even with CCJ's die with you.

dx

 

Providing there isn't a Charging Order securing the judgment which would then form part of the estate.

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