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    • if course they are rest k's , sole debts, joint ownership. you don't have to negotiate nor tell them in most cases    interesting these fleecers have tried for an order of sale on a restriction K! ..really! what fleecers.   i question the wisdom of selling up if you like where you are just because of these debts...unless you have other debts.
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    • Have you made it clear to the PCM company that you find their repeated contact demanding payment for an unsubstantiated speculative invoice harassing, have you sent them notice to cease and desist contacting you in this way?   You're in a bit a of a bind with this one as generally speaking the advice from this site is not to contact them and ignore all communication.   By contacting them to order them to cease and desist their method of communication as you consider it harassment you will be confirming they have the right details.   What lookinforinfo writes above is interesting, but I wonder at this stage if the learned would consider this is a relationship between a creditor and a debtor?   Wouldn't the speculative invoice and thus the debt have to be substantiated perhaps by court judgement before the PCM can claim to be a creditor in this case and thus have their communcation methods considered as reasonable steps.
    • I am assuming that you own a flat or house, leasehold, on this estate and your lease entitles you to park as long as you park in accordance with the rules decided by the management company, and the management company are authorised to act for the lessor. That might need to checked out at some point but it's what the management company seems to be saying in their 2019 letter when they refer to ".. per the covenants of the Estate...". Is that correct?   The management company (on behalf of the lessor) commonly has the power in the lease covenants to impose parking rules (again, needs checking) in which case I would argue that their letter 4 November 2019 is a formal notification to residents of a change of the parking rules. If UKPCM's signage is different to what the Estate parking rules are that's UKPCM's problem. They have no authority to enforce anything other than the management company's rules as notified to residents.    You can ignore the waffle in the letter about 'tickets will be issued at the parking warden's discretion'. That discretion is very limited and does not entitle the warden to invent new offences that are contrary to the management company's rules.   So in your opinon (you know the estate road layout, we don't) were you parked in compliance with the November 2019 letter, eg not blocking access?   I would write to managing agent asking them to intervene as UKPCM have issued you with a PCN in breach of the November 2019 letter. The management company can say 'nothing to do with us' as much as they like but ultimately they can't wash their hands of it. UKPCM are acting on behalf of the management comapny and the management comapny are accoutable for what UKPCM do. And the rules are decided by the management comapny not UKPCM.   As a matter of interest do you have a marked parking bay that's reserved for you? Were you parked in it?
    • Ok a bit more background on this. In all 5 charging order cases: The creditors obtained a CCJ in sole name They then obtained an interim charging order They then obtained a final charging order The charging orders are registered with the Land Registry The debts were either sold on or are managed by DCA's In 2 cases they applied for an order for sale which we defended, hence 2 are being repaid monthly  
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
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Cabot/mortimer Claimform - old newday Marbles Credit Card debt


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Thanks DX 

 

I actually knew that from reading other threads on here i just didn't realise that amount of time had passed already (weeks seem to pass so fast since covid).

 

Do they ever apply to lift the stay if they find any documents?

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please complete this:   You have received a Court Claim ISSUED IN ENGLAND & WALES What you need to do - Financial Legal Issues - Consumer Action Group

no go back and read my guide earlier CAREFULLY...

the CCA dept won't have a clue a claim has been issued   defence is due monday by 4pm.   pop up your ideas from your research here.    

they require all and they must be enforceable and not fakes...not the only issue they would need to overcome i would suspect either.

cabot are fleecers united ..

 

when did she take this card out?

whats the defaulted date on her credit file?

 

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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6yrs from the defaulted date regardless to any payments.

if a judgement were obtained CCJ shows for 6yrs against regardless to being paid or not (unless within 28days of judgement) in the public judgement section.

 

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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answer the q's....

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...

Just to keep this thread updated.

 

I received this letter from Mortimer Clarke today:

 

We refer to the above matter. 


Due to an administrative error a letter was  sent to you through an automated service dated 06/04/2021, we would like to apologise for this letter being sent out to you. 

 

We can confirm the account is currently on hold awaiting our client's instructions on your Defence. 

 

We trust this is of assistance. 

 

Thanks 
Yours faithfully

Mortimer Clarke

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On 18/04/2021 at 01:06, dx100uk said:

when did she take this card out?

whats the defaulted date on her credit file?

 

 

5 minutes ago, DontLetThemDoIt said:

Due to an administrative error a letter was  sent to you through an automated service dated 06/04/2021, we would like to apologise for this letter being sent out to you. 

 

what letter?

 

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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whats the status of the claim on MCOL?

i suspect it doesn't say N180 DQ issued.

so the claim is stayed.

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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I don't know what letter they are referring to as i upload all the letters here.

 

Unless they mean the one that said it may take some time to reply to my defence.

 

 

I just logged in to the MCOL site but i cant see anything about the status as it just shows the documents that have been added.

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should be a section that details the claim actions to date 

like claim issued date

defence received date. 

 

etc 

what is the last entry.

 

 

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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Posted (edited)

on the claim history the last thing that's on the list is "Your defence was received".

 

 

Maybe they are hoping that i contact them by sending me a random letter

Edited by DontLetThemDoIt
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then the claim is autostayed

go enjoy your life 

 

they will now have to pay £255 to lift the stay and send you and the court an N244

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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pigs might fly too.

 

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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