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    • I believe it is helpful to seek guidance from a range of places and decide on the validity of the sources and frequency of responses which are most helpful. A single voice can be a dangerous thing. As, of course, can groupthink. Scott, it feels like £4k on a solicitor for a £1.5k bill is overkill. Were we back in time I'd suggest small claims court as your claim sounds like it may be straightforward? By all means add that phrase on. I also suggest you contact the court and go and sit in on a couple of similar cases to get a better understanding before you shell out.
    • a card should be 16 digits...urm... note your dates above please. do not miss them no matter what happens  ......................... pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Which Court have you received the claim from ? Northamton, civil national business centre Name of the Claimant ? PRA Group Uk Portfolios ltd. How many defendant's  joint or self ? self Date of issue –  21 May 24 date of AOS - 07-06-2024 date for filing defence by - 21-06-2024 Particulars of Claim 1. The claimant claims the sum of £5600 for an outstanding debt owed. 2. On Mar 2000 the Defendant entered into an agreement with Barclays Bank Uk PLC for a credit card under reference ( 11 digit ref ). 3. on Mar 21 the defendant defaulted on the agreement  with an outstanding balance of £5600. 4. On Aug 21 the debt £5600 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on Dec 23. 5. Notices of assignment were sent to the defendant in accordance with S136 Law of Property act 1925. 6. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND THE CLAIMANT CLAIMS 1. The sum of £5600 What is the total value of the claim? £6100  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No - just emails threatening action   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? no Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card   When did you enter into the original agreement before or after April 2007 ? before - in 2000   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't recall - I suspect post / online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? am awaiting access - but I suspect it is    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. assigned - debt purchaser has issued the claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Pretty certain - Yes   Did you receive a Default Notice from the original creditor? pretty certain - Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? there's been gaps - they went very quiet  Why did you cease payments? Covid lockdowns  What was the date of your last payment? i thought it was 2020 - they say 2021 Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no
    • Sorry, I'm slightly confused. The moneyclaims dashboard is the only thing (I think) I have access to.  
    • no go to OCMC and download the transfer order and post it here.   be quick we dont have a lot of time
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Backdoor £4k CCJ OPS/(GS Carpark)/QDR


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Yes, of course, best of luck.

 

The judge will be interested in the three points above, so those are the ones to practise before the hearing.

 

1.  You couldn't defend because you never got the PCNs or the court papers.

 

2.  You think you can successfully defend the case in court (your daughter wasn't the driver for example).

 

3.  The two-year delay is OPS's fault.

We could do with some help from you.

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We got post from Dvla today,  they had all the information on the parking tickets we needed! 

Dates and location.  There hadn't been any physical tickets at the scene on these occasions. It makes no odds. 

 

We know now  it's best just to contact OPS to pay the costs.

 

There was also a letter from the courts 

With a date for the 29th April to be heard at the Magistrates Court.  

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The imminent hearing date somewhat changes things.

 

Did you pay £275 to apply for set aside?

We could do with some help from you.

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23 minutes ago, Impressmum said:

With a date for the 29th April to be heard at the Magistrates Court.

no it does not say that 

 

speculative invoices are NOT CRIMINAL so cant be a magistrates court.

 

scan it up please

 

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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Court letter

Court letter.pdf

 

1 hour ago, FTMDave said:

The imminent hearing date somewhat changes things.

 

Did you pay £275 to apply for set aside?

We did not pay this fee we only paid £20 

 

Sorry no £14 was paid at the County Court.  I just checked my bank account 

 

Cross referencing  the dvla reference numbers for OPS  and the email that was sent from back in 2021 with the list of reference  numbers do not match up . 

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oh yea sorry i forgot you'd had a writ issued

it will be granted and then its transferred back to your local court for a later hearing.

 

 

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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Share on other sites

Yes, it didn't click with me either that this wasn't just a standard set aside application.

 

Methinks it can't harm the OP to redo the SAR from scratch - this time including I.D. so the fleecers can't use lack of I.D. as an excuse not to reply, keeping a copy of the SAR and also keeping the free Certificate of Posting.

 

Getting copies of the PCNs won't excuse the two-year delay, but might at least help in seeing what the accusations are and if they can be defended, point (2) above.

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We called the solicitors today Qdr - 

 

We asked why they hadn't contacted us direct.?

They have confirmed having my daughters contact number and email address on file. 

We asked why when we asked for proof it wasn't sent out? 

We asked why this court enforcement landed on our doorstep?

As if they had provided us with the relevant documents that Dvla have given us, which is information of the vehicle and not just reference numbers this matter could have been dealt with years ago. 

 

We have asked this to be looked into since all calls are recorded as per the advisor making us aware.

We asked they looked into the calls from when we contacted them 2 years ago asking for evidence and why it wasn't sent?

I've asked this to be raised as a formal complaint.

 

We've also spoken about the payment and if the payment was made in full ?

What happens with the ccj?

Are they able to remove this from the credit file.?

They OPS  have asked for a little time to complete the above and come back to us!

I said we will give them a week and call back. 

 

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and we asked you to do that?

 

we already know it is totally pointless ever to phone scammers or their dogs

they always deceive and procrastinate to gain info upon how best to counter your defence/set a side etc. etc.

 

they now know you have not a clue what you are doing and will be an easy walkover.

 

please always check here first before you do anything, even if it means you get told off for not getting any question answers we wanted.

 

 

  • Thanks 1

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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The girl who took the call didn't quite know what to do in the conversation at all. She kept putting us on hold to ask questions and come back to us. 

I mean it took a whole day of attempting to call then arranging a call back to do this

The dvla pages show my daughter breached the terms and conditions of ops parking in the paperwork. 

This is what it shows. 🙈🤐  Whether this is because the tickets have ran out and the time had gone over ? I don't know?  

 Shows dates of occurring and when it was requested  it also shows when this was requested by the enforcement notice people back in January!!  

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still no real reason to phone.

 

are you going to scan up all this DVLA info?

 

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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11 hours ago, Impressmum said:

I said we will give them a week and call back.

They'll be wetting themselves no doubt.

 

This is the company who fitted your daughter up for four grand, refused to respect their legal responsibilities in response to the SAR, and then took advantage of your mistakes to lie and to pretend to have never received it.

 

I'm sure they will get their act together in the next week after your ultimatum 🤣

 

You recorded the call of course.

 

We don't write this to be nasty, but to point out that you need to have evidence to show to a judge - and you have nothing.  You continue to trust these parasites - as dx and Nicky Boy say they just take advantage of your naivety.

 

At least get a proper SAR sent off as I suggested five posts above.  It might turn out to be a waste of time.  But it can't harm you and might release information for a later hearing.

 

 

Edited by FTMDave
OTT post from me toned down

We could do with some help from you.

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thats an sar to QDR required here now.

their call logs regarding what was said today would be invaluable..and almost pit OPS against QDR?

 

was not the other suggested SAR to OPS?

 

if the two dont match on certain information surely that almost total curtains to everything as it proves one or the other is/was/has lied and poss to the court regarding docs/statements already produced???

 

just musing.......

 

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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Confused again!

You say the DVLA info was only requested back in January. (This year?)

 

If so, how did they launch a claim against you two years ago??!!

We could do with some help from you.

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dx is spot on.

 

SARs to both OPS and QDR today.  Both sent with your daughter's name on.  Both with I.D. included.  Copies kept of both.  Two free Certificates of Posting obtained - and kept.

 

This is your only hope.

We could do with some help from you.

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2 hours ago, Nicky Boy said:

Confused again!

You say the DVLA info was only requested back in January. (This year?)

 

If so, how did they launch a claim against you two years ago??!!

I think the OP is referring to a request to the DVLA made by herself to find out who had been accessing her data.

 

This was suggested by LFI in post 16.

 

The idea was to get this info for help in the set aside application and ultimately to defend the fleecers' claim.

 

I think initially the DVLA didn't reply and the OP decided to do nothing about that, to not to apply for set aside and to simply defy the court order.  A terrible decision.

 

Now the OP has jumped into gear.

 

We need to see this info.

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Apologies for the late response. Grandparent's duties called.  

 

 

 

None of the dates are in order as you see and these references in the columns  are not the same as what was sent in the the single email to us from OPS on 2021 with parking tickets numbers on 

dvla.pdf

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This is further bad news.

 

The fleecers are supposed to apply to the DVLA for the keeper's details for every "offence" and not just rely on past applications, otherwise someone could sell the car and the new owner would be wrongly pursued.  Often they are too lazy to do this.  But it seems sadly they have here.

 

I make it 15 OPS tickets.  Remind us how many tickets you are being sued for?

 

If you don't have that figure, remind us of the exact amount of the judgement against you.

Edited by FTMDave
Mistake rectified

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Dave,

The odd one you've spotted looks like a Court Enforcement enquiry rather than a PPC enquiry?

 

Checking to see whether the car was still owned and could be seized during enforcement?

Edited by Nicky Boy

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You're right Nicky Boy, apologies.  Your spotting skills are much better than mine!

 

I've edited my post.

Edited by FTMDave
Extra info added

We could do with some help from you.

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Looks like 18 requests to DVLA from OPS, and one from the Bailiffs.

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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pdf done

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 make 15.

 

10/04/2018   12/03/2018   118
08/06/2018   04/06/2018   781
09/10/2018   05/10/2018   864
25/02/2019   21/02/2019   245
25/03/2019   21/03/2019   490
04/04/2019   31/03/2019   209
08/04/2019   03/04/2019   497
08/04/2019   02/04/2019   478
23/04/2019   18/04/2019   473
28/05/2019   23/05/2019   776
28/05/2019   24/05/2019   827
12/06/2018   06/06/2018   554
14/06/2019   10/06/2019   930
18/06/2019   14/06/2019   418
24/06/2019   20/06/2019   821

 

I've included the last three digits of every DVLA reference number.

 

Perhaps the OP could confirm and answer the questions above re the judgment.

 

Plus confirm that SARs have been sent to OPS and QDR as dx suggested.

We could do with some help from you.

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Hi everyone.  

 

Sorry for the late response.  There was a total of 23 references in total. I just didn't  end up uploading the final page. 

SARS have been sent in writing with proof of postage to OPS and Qdr as next day post. 

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That explains it then.

 

The individual invoices were for £100.  But the fleecers have unilaterally added £60 Unicorn Food tax, so £160.  £160 x 23 = £3680.

 

£3680 + £205 claim fee = £3885.

 

Add interest and legal representatives' costs and you get to four grand.

 

It's going to take a hell of a lot to explain away 23 tickets.

We could do with some help from you.

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