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    • thought your story rang a bell. https://www.consumeractiongroup.co.uk/topic/416315-knightsbridgecreditfix-iva-treated-me-very-badly-thinking-of-bk-now-help/ you vanished and never cameback. dx  
    • and it legally informs them of your correct and current address as you must do with all old debts last paid/used in say 7 yrs you dont want backdoor CCJ's. what were the names of these IVA scammers, the one you took it out with, and the one that scammed you to let them take over please? your story is slightly worrying. dx  
    • Incidentally, congratulations on not buying the warranty. That is another Big Motoring World rip-off. See what we have to say about extended warranties and the Big Motoring World attitude to them is particularly unhelpful
    • well that google is from 2019, but the photos are certainly of someone driving on the public highway in/out by an ANP system, though the site of where the camera actually is, is not showing there are anpr cameras up by the low yellow barriers but they wont get from facing shots from there. interesting, needs to be checked if the road IS a public highway but on private land, cause as you say, if the whole area is max 4hrs , how does the hotel work< ?? must have a reg entry system.  now as for taking pictures of cars on a public highway then guessing the are parking ...erm.... i dont thnk thats right nor allowed under GDPR. dx  
    • Under the consumer rights act 2015, if a defect manifests itself within 30 days and you have a right to return the vehicle for a full refund. If any defect manifests itself within the first six months of ownership then you have a right to return the vehicle for a full refund subject to the retailers right to carry out a repair. If the retailer declines to repair or if the repair fails then you have the right to return. The problem here is that you have to assert their right. It's a bit ridiculous – but you have to do let them know preferably in writing that you are asserting your rights under the consumer rights act either the 30 day right or the six month right. I suppose that you haven't done this – which would be quite understandable because most people don't know that these rights exist and that they are subject to these conditions – the condition that the right must be inserted. It is frankly ridiculous. The dealers know it and we have lots of instances of this company delaying appointments et cetera and our strong suspicion is that they are simply trying to run their customers out of time. On the basis that you haven't asserted your rights, we now have to look to ordinary contract law. You are entitled to purchase a vehicle which is of satisfactory condition and which remains that way for a reasonable period of time. Clearly it is in satisfactory. They are blaming you. Has your independent inspection identified the reason for the defect? This will be important because as you have seen BMW are already saying it is down to your driving and you are going to have to produce evidence that it wasn't down to your driving and the you drove it absolutely reasonably and it was simply the condition of the car. Have you been without the car for any period of time. Is it driveable now? If the car was off the road for a substantial amount of time and was still off the road then you would be able to argue that this is a fundamental breach of contract and that you have been deprived of substantially the whole benefit of the contract and therefore you will be entitled to treat the contract as breached by Big Motoring World and insist on cancelling the contract. It may be that you will eventually be obliged to keep the car but have the repairs paid for. Have you had any quotations for the work that needs doing? I asked you questions about the MOT – but you haven't responded.
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UKPC/DCB(l) windscreen PCN claimform - parking in disabled bay W/O BB- Thurrock Shopping Park, West Thurrock


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  • 4 weeks later...
  • Replies 56
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yep.

 

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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  • 3 weeks later...
  • 1 month later...

what are you not understanding about powerless DCA's??

 

a DCA is NOT a BAILIFF

and clamping was outlawed in 2012

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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DCBL are acting as DCA NOT bailiffs here, t a bailiff could only become involved with several IF's The PPC takes you to court and you lose, AND the judgment sum was for more than £600.  They rely on using the Ch5 Can't pay reputation to scare people.

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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  • 6 months later...

open

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Greetings everyone, hope you're all well. Thanks for reopening.

 

It seems they've now taken this to court and I'm not sure what to do. .

 

(I have edited and compressed your pdf, and uploaded it its not wise to link to external document sites,, better to upload to the post( BN))

 

claimform.pdf

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Yes, it is a court claim, you need to do Acknowledgement of Service then later file a defence.  dx100uk will be on soon to tell you how to do that.

 

Did the fleecers send you a formal Letter of Claim or Letter before Action before the court claim?

We could do with some help from you.

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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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  • dx100uk changed the title to UKPC/DCB(l) PCN claimform - parking in disabled bay - Thurrock Shopping Park, West Thurrock
  • 1 month later...

Hi everyone, thanks for your help again.

I've messed up though.

Due to personal circumstances,

I did not sort this out in time and as of March 30th have been served a CCJ. 

Do I have any other options that will mitigate the damage,

or I must now settle the full amount within a month?

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Well, both the court claim form and the sticky above explain the deadline for defending and sadly you missed that.  From the court's point of view you had the chance to defend but didn't.  So yes, you have to pay within a month.

 

The only "option" is to defy the court and not pay.  In that case the CCJ will not be removed, it'll show up everywhere and your credit file will be knackered for six years.

 

 

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

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  • 3 weeks later...

If only there was a way to display one's illness to the court.

Nevertheless, thank you so much for your help and forgive my delay

. I aim to sort it out this week. 

And to be clear, is there a way that the amount payable can be lessened or is this full amount now non-negotiable?

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No, from the court's perspective you didn't defend the claim when you had the chance.  So now it's game over.

 

Make sure you pay before the court's deadline otherwise you'll still end up with a CCJ.

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

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I am sorry that you lost your chance to win the case and now you have left yourself very little time to do anything other than pay. Had you come to us much earlier it might have been possible to argue but now you will have to pay the amount  ordered. At least that will prevent you getting a CCJ lasting for 6 years. 

 

After you have paid it may be possible to apply to challenge the verdict as you weren't able to put up a defence at the time-through illness? It is  not guaranteed that an appeal will be granted and it will cost another couple of hundred at least with no 100% certainty that you will win though at least the amount you owe should be reduced. I do think our Laws are wrong  in that undefended cases are forced to pay the unlawful amounts knowingly charged by claimants. 

 

 

 

 

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at £275 a set aside is not guaranteed a win.

pay the CCJ to the claimants solicitors dont delay 

they are snakes do it a good week in advance of the 30 day deadline.

 

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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Appreciate you all, thank you.

 

What if I sent my CPR request in time, but did not receive a response from the lawyer though? And have dated pictures of it and it being sent, but not proof of postage.

 

I'm thinking to pay first then appeal based on the above - what do you think?

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cpr is nothing to do with defending a claim

its a request

it can all but be ignored.

and typically always is.

 

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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you mean you returned to n9? part?

on what date?

have you proof of posting?

and where did you send it?

 

we didnt tell you to do that here , why did you use snail mail?

we said use MCOL website, the same place you filed AOS.

 

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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