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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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Cabot/Restons MBNA Card CCJ and i didnt know i had it. ***Resolved***


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they've had over 4.5yrs 'to do something'.

don't be fooled that they didn't knoww where you were at the time of the CCJ..

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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As the judgment must be more than £5K if the court fee was £410.....I would be submitting an application to get a monthly payment in place( N245) ...then you wont have any worries if and when the Bailiffs will come knocking.

 

Andy

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The info from the court is in post 24 and all i ever received

. It doesn't state how to pay so I’m assuming they can ask the full amount.

Are you saying I should try and resolve? 


There is also a link to Cabot website which I haven’t accessed but indicates that a payment plan can be agreed electronically or a reduced settlement amount. Is that not an option? 

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As it approaches 6 years its obvious they will execute the judgment for that amount.....if you make application to vary the payment first they cant execute further.

 

Put it through the court not Cabot...then its rubber sealed....fee is £50

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It came from Northampton bulk, is that where i return?

Also on the document it asks for the warrant number and local number, the only  numbers i can see in the documentation is a case number and the account reference number do i use these?

 

i believe the fee is being reduced to £14 from 3rd August.

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Yes if it was a default judgment.

 

Claim number.

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I have submitted the form to the Northampton County Court.

Just to confirm the fee for this is now £14 if any others are doing the same.

 

In the meantime i have received another letter from Cabot this time referring to an Abbey National overdraft of £1200 from 2007.

I know for a fact that any account i had with Abbey was closed that year as it is the time i entered a joint dmp with my ex.

 

I also know 100% that no payments have been made since July 2013.

Any payments that were made prior to this did not come from my account.

 

Am i right in thinking overdraft debt is treated differently to credit card debt?

also do i wait until they submit some form of detail about the debt or do i make a request?

there is nothing in the letter, just the usual we want to work with you.

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Bless them not (Cabot haha) trying it on , see if what ever they send next?   Abbey National? long time gone.     Statute of Limitations act comes into force ?  dependant on your location & last contact with them,     

 

 

Limitation Act 1980 - Wikipedia

Edited by Old Cogger
:mad2::-x:jaw::sad:
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Thanks,

my communication only started with them recently when i discovered the CCJ which was the main purpose of the thread and subject to N245 which i have submitted.

 

No details at all about Abbey just a reference number and as you say Abbey became Santander in 2010 long after i had closed my account with them.

 

I will wait for the next letter...................

I'm sure it will be along soon but I'm tempted to ignore all communication around this unless something specific arrives.

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Ignore......not sure how you got away with a fee of £14 fro the N245......its £50 as per HMRC fees.

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So it has......thanks for the heads up

 

• Application to vary (amend/change) a judgment (or order), suspend enforcement or suspend a warrant of possession or stay a High Court Writ. £14

 

https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/904862/ex50-eng.pdf

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  • 4 weeks later...

N245 was successful ?

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:thumb:  Topic title updated.

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  • AndyOrch changed the title to Cabot/Restons MBNA Card CCJ and i didnt know i had it. ***Resolved***
  • 6 months later...

Back in 2020 i discovered a CCJ and after much guidance and communication submitted a form N245 in which i ticked the boxes 'suspension of warrant' and 'reduction in instalment order' which was accepted and i subsequently set up a direct debit for the agreed amount.

 

After only 6 payments i have now received a letter from Restons asking me to complete a new financial statement and make a new offer by the 9th April 2021.

 

My understanding was that as long as the payments had been made and the order had been accepted that would be the end of the matter. To say i am stressed is an understatement. I feel like just telling them to do one and take me to court but probably wont help.

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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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Yes, that's the one. The e mail i received from the court states the following.

 

The payment arrangements are between you and the claimant not the court. The claimant has accepted your offer of £xxxx a month first payment is due to them on xx September 2020. You will need to contact the claimant and arrange to  pay them.  The claimant will notify us when the payment has been made in full.

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  • AndyOrch changed the title to Cabot/Restons MBNA Card CCJ and i didnt know i had it. ***Resolved***

Topics merged.

 

I thought we had seen the back of this crew been very quiet last couple of years.

 

Okay so you ignore their letter and continue to make your payment...if they wish to up it they can make an application for a redetermination.

The agreed monthly amount was set by the n245.

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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