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    • Apologies dx100uk  I did not put the answers in red  Thank you all for your patience. H
    • Which Court have you received the claim from ? Northampton  Name of the Claimant ? Overdales solicitors  How many defendant's  joint or self ?  Self Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.  13 may 2024 What is the claim for – the reason they have issued the claim? the claim is for the sum of £6163.61due by the defendant under an agreement regulated by the consumer credit act 1974 for hsbc uk bank plc. Account 4546384809766042. The defendant faild to maintain contractual payments required by the agreement and a default notice was served under s 87(1)  of the consumer credit act 1974 which as not been compiled with. The dbt was legally assigned to the Claimant on 23/08/23, notice on which as been given to the defendant.  The claim includes statutory interest under S.69 of the county courts act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £117.53 the Claimant claims the sum of £6281.14. Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?   Not to my knowledge. Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?  No Do you recall how you entered into the agreement...On line /In branch/By post ?  Online but it was for a smaller amount they kept on increasing this with me asking 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.  It was assigned to a debt collection agency  Were you aware the account had been assigned – did you receive a Notice of Assignment? yes  Did you receive a Default Notice from the original creditor?  Yes I also made offers to pay original creditor a smaller amount but was not replied to Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  No Why did you cease payments? I was made redundant and got a less paid job I also spent some time on furlough during covid and spent some 3 months on ssp off work. What was the date of your last payment?  May 2021 Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes at the time I communicated with all my creditor's that I was running out of funds to pay the original agreements once my redundancy money ran out that was when my accounts defaulted. I then wrote to all my creditor's with pro rata offers of payments but debt collectors took over the accounts.
    • Just an update for all. I received about a letter every other week, increasing in threat levels. Then I hadn't had one for a about two weeks, then Saturday received a carbon copy of the very first letter they sent me in February. Made me laugh, rinse and repeat. 
    • So, your response was not received by the SCP as you did not send it with a valid stamp. Therefore, from my two option in post #14, the first option is the only one available to you, but you do not have the option of asking to be sentenced at the fixed penalty level as the reason the SCP did not receive your response was down to you. Here's a reminder of what to do: Respond to the SJPN by pleading “Not Guilty” to both charges. In the “Reasons for pleading Not Guilty” box state that you are willing to plead guilty to the speeding charge providing, and only providing, the “Fail to Provide Driver's Details" (FtP) charge is dropped. This is a tried and tested method to deal with your problem and is almost always successful. Before the pandemic it was necessary to attend court to do this "deal" because it needs the agreement of the police prosecutor.. During the pandemic courts made every effort to have as few  people as possible attend and they began doing this deal under the "Single Justice" procedure without the defendant's attendance. Some courts have carried this procedure on whilst others have reverted to a personal attendance being necessary. If you are required to attend, your case will be taken out of the SJ procedure and you will be given a date for a hearing in the normal Magistrates' Court. If that is the way they do it in the area involved you will have to attend, see the prosecutor and offer your "deal" in person. 
    • what device are you using? copy all the questions then come here to this thread and paste them. then answer each question click on red give answers here. when done  hit submit reply bottom right.  
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Horizon PCN x2 - Wilko, Huddersfield, HD1 2UD


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Hi

 

I have a weird situation where I have received no prior contact at all, none and then suddenly out of the blue received a parking charge for February,

 

I do park here but always pay,

it is one of those machines that does not give a ticket,

it just charges you at the end and no receipt,

well you can request one but I always say no.

 

I was confused with the first letter,

as I with no prior contact and me always paying it baffled me,

 

then a few days later I get the same charge for the month after,

a completely different date and charge for the same place.

 

This now has to be impossible,

again no prior letters,

even though they say they have and I have ignored and again at somewhere I always pay.

 

I am wondering if something is wrong with the payment method or they are just trying it on.

They have sent no proof of these tickets just 2 letters for 2 different fines.

 

Any advice on what to do?

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dr+ are a dca they cant issue fines!

neither can a fleecing private parking company.

 

you should already be well ware of these things with the number of previous PPC threads you've had.

 

have you moved in recent times?
 

 

 

 

 

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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No, not moved recently.

 

I have posted about tickets before, one putting wrong reg details which was a separate issue and another where I believed they didn't take you to court and so ignored

 

Since then I heard some cases went to court on occasions so I started to pay, hence this is a big suprise as I have paid everytime I've been here. 

 

So maybe my wording was wrong, parking charge would be better. I just don't know if to engage and ask for proof or just ignore, it's just v odd this is the first communication I've had in 7 months and at a place I can guarantee I pay, I barely use it but always pay when I do.

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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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Hi, These are the answers to the questions, hopefully I have done as asked and answered everything 

 

1 Date of the infringement 07/09/2020 and 03/08/2019 

 

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 23/09/2020 and 31/09/2020

 

3 Date received 30/09/2020 and 02/10/2020
 

4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] No
 

5 Is there any photographic evidence of the event? No
 

6 Have you appealed? [Y/N?] post up your appeal] No
 

Have you had a response? [Y/N?] post it up No
 

7 Who is the parking company? Horizon parking ltd 

 

8. Where exactly [carpark name and town]

Wilko Huddersfield
 

For either option, does it say which appeals body they operate under.

No

 

Thanks for any help

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  • FTMDave changed the title to Horizon PCN x2 - Wilko, Huddersfield

How did you pay?

 

Plus, I'm confused.  Originally you said you'd only received letters from DR+, now you are giving us the dates of Horizon's NTKs.  How come?

Edited by FTMDave

We could do with some help from you.

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On 12/10/2020 at 12:12, FTMDave said:

How did you pay?

 

Plus, I'm confused.  Originally you said you'd only received letters from DR+, now you are giving us the dates of Horizon's NTKs.  How come?

 

I paid at machine before leaving, no tickets are issued. No barriers or anything, just put your reg in machine and it tells you what you owe, put amount in, do you want receipt? Yes or no, I always go for no.

 

Not sure what you mean above, as I say this is my first correspondence from them,  I've not recieved any letters, date of offence 2019, first letter about these two fines September 2020, unless I filled something in wrong above, that's the situation.

 

 

On 12/10/2020 at 15:40, lookinforinfo said:

As they are not relying on PoFA it is important that you do not divulge who was driving as they cannot now take the keeper to Court without PoFA. That is why it is important not to appeal in case the driver's identity is revealed.

 

So what do I do next? Nothing? 

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where does anything state they are a fine please?

 

1 Date of the infringement 07/09/2020 and 03/08/2019 

 

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 23/09/2020 and 31/09/2020

 

how do you know the dates of the NTK's if you've not received them..so you said?

 

 

 

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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Can you please upload the two letters (redacted of your personal details) so we can get to the bottom of what they are?  This is important to see if the fleecers are out of time under POFA.

 

When I asked how you paid, I meant was it cash or card.  Again important in case you can prove payment.

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

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On 13/10/2020 at 21:38, dx100uk said:

where does anything state they are a fine please?

 

1 Date of the infringement 07/09/2020 and 03/08/2019 

 

2 Date on the NTK [this must have been received within 14 days from the 'offence' date] 23/09/2020 and 31/09/2020

 

how do you know the dates of the NTK's if you've not received them..so you said?

 

 

 

Charge I mean, if I say fine it's just a slip of the tounge.

 

The top date is date they put on the letter for infringement sorry the dates are right, both years are 2019, my mistake. The bottom date is date I recieved the letters so it looks like I have misunderstood that request.

On 13/10/2020 at 22:03, FTMDave said:

Can you please upload the two letters (redacted of your personal details) so we can get to the bottom of what they are?  This is important to see if the fleecers are out of time under POFA.

 

When I asked how you paid, I meant was it cash or card.  Again important in case you can prove payment.

I paid cash and yes I'll upload them if I can figure out how to, should be fine.

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but it's not just a slip of the tongue it's a VERY important thing to get right...

 

as for uploading

read upload carefully

use ONE multipage PDF only please

 

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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  • 2 weeks later...
  • FTMDave changed the title to Horizon PCN x2 - Wilko, Huddersfield, HD1 2UD

Only one letter was there but as usual they have gone overboard and asked for way too much money. The most they can claim is  £100 but time after time these cases get thrown out of Court as an abuse of process. It is pretty close to fraudulent so that is good for you if they try it in Court. 

BUT DO NOT CONTACT THEM OR ANY OTHER DEBT COLLECTOR EVER.

Were both letters from DRP. If not you can photograph the other letter and upload it on to your computer.

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Lookinforinfo, these are two separate letters for two separate tickets, one 07.02.19 and one 03.08.19.

 

karel, I've added the post code to the thread title to identify the car park better.  It would be helpful if you could edit the sticky, you don't know when the NTKs arrived as you never received them.

 

The good news is that these debt collectors have no power so you can sit back, relax and ignore their drivel.

 

In the long term though you might want to consider sending a SAR to Horizon to find out what they originally sent and maybe work out why you never received it.

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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  • 2 years later...

Any update here?  I ask as we have a new Cagger who is being hassled by the Horizon jokers.

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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

 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

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