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    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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Backdoor CCJ OPS/DCB(L) 2017 Windscreen PCN - got set aside - awaiting hearing date- Outside lines - Vantage point , brighton ***Claim Dismissed***


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So have you sent the WS off yet?

 

If not I'm free this evening to help improve it, as I'm sure are the other regulars.

We could do with some help from you.

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Thanks for all the suggestions and pointers. Really appreciated

 

A trainee lawyer friend had helped me with the set aside and she added the transfer of debt. But I will remove.  

I will add the other points that I understand and feel confident speaking about in court if questioned . Just need to put baby to sleep.  I will upload in case anyone can check or at least future people to see how to do it or not to do it  😆 and will submit before midnight!

 

Am I OK to refer to their witness statement? 

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Yes, of course you can refer to their WS.

 

In yours points 6-9 need to go completely.

 

It would be much better to put headings on your sections so the judge knows which legal points you are raising.  Put "Locus Standi" above your point 10.

 

Above 11 write a title "No breach of contract".

 

12 is irrelevant and can go.

 

Above 13 write "Double Recovery".

 

You need to create two new sections "Signage" and "No keeper liability" and insert the points LFI suggested.

 

Make these changes and you're good to go.

 

If you have time expand point 11 which is your ace.  There was no signage whatsoever to show you couldn't park there, there was no logical reason you couldn't park there (it wasn't for example a staff parking area or blocking an exit door) and it makes no logical sense for motorists to not be allowed to park in huge chunks of a pay car park.  Either the attendant made a mistake and won't admit it or OPS deliberately allow the car park to deteriorate to a worse state than Brighton town tip so they can entrap motorists and issue tickets.

We could do with some help from you.

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final copy WS 

thanks for all your pointers and help and giving me the hope to fight this! 

i havet added the information about POFA becuase i have been reading for an hour and cant get my head round it! 

i have left the points about trying to contact the various law firms or whoever they are that threatned as i want to show that i have tried to resolve this and not just left it to court. 

 

 

defendants WS (2).pdf

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Well done.  That is much better.  There's not one thing I would change.

 

If you're still awake and have time, even if you don't understand the POFA stuff, it can't harm to include a brief section

 

No Keeper Liability

 

00.  The Notice to Keeper is not compliant with PoFA 2012 Schedule 4 s8 [2] [f].

 

At least the argument would be in and you could gen up on it before the court case.

 

Send it off tonight if you're still awake or tomorrow morning when you get up.  You can e-mail the court theirs.  Ideally it would be better to print out and send the fleecers theirs by 1st class post to deprive them of your e-mail address, but as you're cutting it fine for once if you use e-mail so be it.

 

 

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sent. gone. stress levels gone down! so now its just wait for the court case right? nothing further to do? 

i could not have done this without you guys. thank you thank you thank you!

 

i have a question that kept me up last night, the original court case back in Feb, one parking solution would have had to submitt a witness statement also and serve to me 14 days prior to the court case right? i never received this . 

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Excellent,  WS looks good but suggest you mention in a friendly way you found out to the trainee lawyer   how in a Private parking case,  unlike consumer debt  the debt can't be transferred to another Party,  the law firms and DCA's are rentathreats, and can never own the debt, nor take legal action of their own volition, that can only be initiated by the PPC .If it could we would have Lowells etc going on a Claimform  frenzy with transferred sold on Parking debt

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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 first time round you didn't defend, so no, they wouldn't have produced a WS.  There was no need, you lost by default.

We could do with some help from you.

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  • 2 weeks later...

Received this today.. 

'We have received your Application dated 22nd May 2021 and note the content.

The Witness Statement on behalf of the Claimant has been filed at the Court and served upon you in response to your Application.

The Court have been notified that our Client’s attendance has been excused at the hearing on 25th November 2021. '

This means they won't be attending? 

Any idea on how that works when they're meant to be setting up the call?

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Looks like you are going to win by default then.

Telephone hearing? Have you informed the court of your correct numver etc etc

and dont forget to ask for costs like the set aside fee.etc

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 happens in the court if it does go ahead ?

Like the actual process ?

Do they read the WS and that's it?

At which point do I ask for the set aside fees?

Can I  ask for the cost of my day off work? 

 

The court have just called me and they've double booked so it maybe relisted . 

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You are entitled to £90 i believe if you take time off work. But is this not a telephone/video hearing so that might now wash?

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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Any news about if the hearing will go ahead?

 

We'll help with the costs argument but there's no point doing that now if there is no immediate court hearing.

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We could do with some help from you.

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I should hear back today before 1 pm. 

 

Re the day off , the letter said something along the lines of the hearing time isn't guaranteed   court often overruns , so I have no choice but to take the whole day off 

 

Hearing will be relisted within next 6 months 

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  • 3 months later...

Open

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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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Hello!

Me again 

I have a court date of 24th March 

 

The claimant have resent me their bundle from the original court date. Do I need to do anything in prep or just turn up?

 

Thanks as always 

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IIRC the court ordered you to file a WS and send a copy to the fleecers, which you've done.

 

So if you've done everything the court ordered, yes you simply turn up.

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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

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RMG I don't know if you are keeping abreast of the new CoP and the changes do help your case. One of them isn't even a change it's just confirmation of the  original Act that the amount on the signage was the maximum that could be charged.

 

A Government minister described the additional charges as "a rip off" and in the new CoP which though  the government  accept that some changes may take time to implement those that can be done straight away should be.

 

"We recognise that many of these changes – like bringing private parking charges in line with local authority charges – will take time to implement.

 

The publication of this Code therefore marks the start of an adjustment period in which parking companies will be expected to follow as many of these new rules as possible. The Code will then come into full force before 2024, when the single appeals service is expected to be in operation."

 

That was said by Minister Neil O’Brien, Parliamentary Under-Secretary for Levelling Up, the Union and Constitution

 

{Despite the same font as above these are my comments.  It was always Parliaments objective that parking charges should be limited to the amount quoted on the signage as confirmed by PoFA Schedule 4 s8[2][d] and s9 [2][d] "as specified in the notice".

It is the greed of the rogue parking operators that have introduced the extra rip off charges that have brought about the new CoP coming in to force. Still OPS are trying to push through their unlawful charges surely confirming that they are one of the rogue companies that the Government are aiming to rein in.

 

They have even gone as far as to confirm in their contract with Periworld right at the start 1a  "OPS will always adhere to all legislation as set out as part of PoFA 2012. They didn't comply with parking charges and they didn't comply with Town and Country [Advertisements] Regulations where they need planning application for their signs and ANPR cameras. 

 

New CoP

9. Escalation of costs

The parking operator must not levy additional costs over and above the level of a parking charge or parking tariff as originally issued.

 

In their WS point 12 they state that the driver accepted the contract by parking. As the entrance signage was not capable of forming a contract [either non existent or too small to be read while driving past -whichever is correct] there was only an invitation to treat so no contract formed.

 

In their WS at point 19 they said two things that were incorrect. There is no obligation on the keeper to reveal who the driver was and the Court will not assume that the driver and the keeper are one and the same. Nor is the lack of indication of the name of the driver an indication that the keeper was the driver. 

 

As you said in your WS they showed a lot of photos of signs but none of them could be pinpointed to anywhere on the car park-they could have been stock photos held by DCBL. I don't think they even marked on their plan where you were parked?

 

The NTK is not PoFA compliant despite Mr Green so averring. Under PoFA 2012 Schedule 4 s9 the NTK MUST comply with the wording in that section. It doesn't so not compliant and the liability cannot be transferred to the keeper.

 

It's a real dog's breakfast of a WS. No wonder Mr Green only printed his name when it came to the bit about telling the truth which makes the WS inadmissible?

 

Bear these points in mind when it comes to the actual date of the hearing. These are points that you have already brought up in your WS in different ways.

 

Edited by dx100uk
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  • 3 weeks later...

Well done 

Did they turn up?

Did you win costs?

 

Generally.   Expand with more detail later so as to help others in the future please 

 

Dx

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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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Excellent, if you can post up details it would be brilliant

  • Like 1

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

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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