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    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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Backdoor CCJ Arrows/Drydens - old MBNA card debt


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Hi Everyone 

 

Sorry if this is in wrong place.

 

I have just checked my credit report today and seen a ccj issued against me from Drydens Fairfax.

 

I have spoke to the court and its for an MBNA credit card. However on my credit file the address is one I lived at for 6 months and not where I lived when I got the credit card.

 

I lost my mum and my job  and got into debt 8 years ago. I have been trying to get straight ever since which has been going well.

 

I have never received any letters regarding this debt for years and nothing has been sent to the address where I lived when I got the credit card which is my dads address. 

 

I am now besides myself with worry.

I have a new live with my partner, I have been paying off what I owe and now I have found out about this.

 

Q1  How could I  respond when they used an address I was only in for 6 months and not where I lived when I took out the credit card?

 

Why didn't they use the address I lived at when I took out the card

 

What do I do now I am so worried theyll send bailiffs to my dads house

Marke32

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  • dx100uk changed the title to Backdoor CCJ Arrows/Drydens - old MBNA card debt

Would only ever be court bailiffs .

And there is little they can do, rhere is no right of forced entry on civil debt ccjs.

 

Go ring nortants bulk and ask for a copy of the judgement ccj AND the claimform by email pdf. If they don't have the claimform ask they sent the particular s of claim exactly as written.

 

A claimant is entitled to serve to an old address if you fail to update your debt owners should you move.

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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nope not legally obliged too.... which is why it's SOOO important NEVER to run from debt...and to always update your debt owners on a change of address if you have any that were last used/paid within 7yrs say.

 

so did you do as post 3?

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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Why didn't they use the address I lived at when I took out the card

 

They should have.....unless you informed them of the new address which you only resided for 6 months ?

 

Andy

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  • 5 weeks later...
On 05/07/2021 at 23:04, Andyorch said:

 

They should have.....unless you informed them of the new address which you only resided for 6 months ?

 

Andy

No I didn't inform them because it was only temporary and my registered address was my dads just 4 houses up the street. They send every letter there except the ccj court letters. Anyway I am nearly completed on applying for a dro just have to pay on Monday so it won't be an issue then.

 

Thanks to everyone who posted much appreciated

Marke32

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