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    • Thanks @dx100uk here's the completed questionnaire and redacted screen shots of the correspondence are being attached (piecemeal apologies can't seem to reduce the file size)! Will go and acknowledge service of the claim online now. I very much dispute this claim and want to challenge it, surely OPS' failure to comply with BPA grace periods alone is enough of a defence?    Name of the Claimant : XXXXXX    Claimants Solicitors: Gladstones Solicitors Limited   Date of issue – 6th July 2020   Date for AOS – 24th July 2020   Date to submit Defence – 6th August   What is the claim for – The driver of the vehicle with registration XXXXX (the “vehicle”) parked in breach of the terms of parking stipulated on the signage (the “Contract”) at Broadwater Street West P&D Worthing BN14 9DE, on XX/XX/2019 thus incurring the parking charge (the “PCN). The PCN was not paid within 28 days of issue. The Claimant claims the unpaid PCN from the Defendant as the driver / keeper of the Vehicle. Despite demands being made, the Defendant has failed to settle their outstanding liability. THE CLAIMANT CLAIMS £100 for the PCN, £60.00 contractual costs pursuant to the the Contract and PCN terms and conditions, together with statutory interest of £13 pursuant to s69 of the County Courts Act 1984 at 8.00% oer annum, continuing at £0.04 per day.    What is the value of the claim?   £248 
    • the 5.1 is better for that solo from jeff   if you go that way again get pictures of all the signs inc the small print where they are  and the machine ones. and the view from the public road 
    • Hi dx100uk,    OK will do, I'll wait for that possible stage to come and keep this updated when I can.   I didn't buy a parking ticket.   Kal   ...       Way off topic but I love your profile pic, gonna listen now and allow Jeff Beck to send shivers down my spine in his epic WGW P3 solo ✌️    
    • Apologies, misunderstanding on my part. I was thinking of a shop called Cotswold. Please ignore me.   HB
    • 1st Draft - reviewed several statements    I was a bit unsure about adding more about the section 78, although they took a very long time the did provide the CCA - any help appreciated    In The *******County Court Claim No. ********* Between **********Claimant and *************** Defendant     I am the defendant in this case and make this Witness statement in support of my defence in this claim. The matters set out below are within my own knowledge, except where I indicate to the contrary.   1. It is my understanding that the claimant is an Assignee, a buyer of defunct disputed or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed ...10p to 15p in the £1 and which the original creditors have already written off as a capital loss and claimed against taxable income. Idem Capital securities issue claims to circumvent and claim the full amount of debt to maximise profit.    2. As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchase’s debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.   3. It is accepted that I have in the past had financial dealings with HBOS. That being a Credit card Agreement.   4. After seeking advice this led me to check all paperwork I held with creditors, from this I could not find any Credit Agreement relating to the account the claimant is referring to.   6. I therefore sought clarification and requested copies of the agreements from the claimant by way of a section 78 request for the alleged amount.    7. A Letter before claim pursuant to Pre Action Protocol was issued by the claimant 06/09/2019. I made a request for the following documents:   ·         A copy of the Default Notice ·         A copy of the Notice of assignment ·         A complete set of statements detailing exactly how the debt has accrued detailing ·         All transactions ·        Any additional charges applied since the account was terminated ·         A statement  of all payments received.   The claimant to date has failed to comply completely with my request and has not provided me with the required Default Notice.      8 .On the 13/11/19 the claimant issued a claim form through the county court business centre. On receipt of the claim form I made a CPR 31.14 request.    9. A CPR 31.14 request was sent 25/11/2019 via Royal Mail signed for and shows as received 27/11/19. A Request for the following documents was made:   ·            Default Notice ·            Full statement of account     The claimant to date has failed to comply and disclose the default notice.   Conclusion   To date no Default Notice has been produced.    The claimant has still yet to comply with my CPR 31.14 request with regard to clarity of any valid default notice issued, as yet I have never received an original or seen a copy of a valid default notice from the claimant.   Arbitration confirmed that the claimant could not produce the Default notice document    Therefore for the above reasons the claim bought by the claimant is without merit and an abuse of the court process. It would be far more gracious and forthright for the claimant to admit that they do not have possession of the correct valid paperwork and this is an attempt to convince the court that the claimant can disclose the legal valid documents on which its claim relies on.   Until such time the claimant can comply and disclose a Default Notice they are not entitled while the default continues, to enforce the agreement pursuant to section 87 (1) of the Credit Consumer Act 1974.    I **********, the defendant, believe that the facts stated in the witness statement are true.     Signed…………………………. Dated……………………………
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Rachaelb

Tax Credits Overpayments - Help required!

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I have today received a letter from HMRC stating that I owe them £3944.74 in tax credits overpayments dating back from 2011 - 2015!

The debt has been passed to the DWP.

 

This is a total shock and  I haven't received any tax credits since April 2015 when they stopped because of an increase in my wages (I was just over the threshold by literally a matter of pounds when they ceased).

 

I'm a single parent struggling to make ends meet as it is and there's just no way I can afford to repay this.

I'm on payment plans for my electricity (to stop me being cut off), my council tax and just about everything else so this is just utterly devastating.

 

I have just been diagnosed with stage 2 hypertension as my BP is consistently over 170/100 and have been referred to a cardiologist and this is stress I can do without.

My boss has been tested positive for COVID-19 and I am now self isolating with my daughter so can things get any more stressful.

 

Please can someone advise what I an do as this will really push me over the edge :(

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Calm down and have a read of the following link....some great advice.

 

https://www.advicenow.org.uk/guides/survival-guide-dealing-tax-credit-overpayments


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1st port of call 

put HMRC to strict proof you DO owe the money

pop onto the HMRC website 

search for SAR

and fill that out.

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thank you both I will do these things now 

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