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    • Hello I've got a parking ticket, see here... https://ibb.co/DfHqg9F https://ibb.co/QvqH52m https://ibb.co/pbPPdDg https://ibb.co/X2F1X25 I've been parking at a particular corner in a small Tesco car park for years. Recently they put two electric charging plugs, one where that spot is and one at the bay next door, so I stopped using them out of courtesy in case they need to be used (I use that Tesco every day and drive past every day but have yet to see anyone use them). Recently I went back to Tesco when it was reasonably dark. All the bays were full, including the three blue badge bays. I have one but none of the cars parked in the bays did, I noticed as I walked past them (nobody ever gets pulled for that because Tesco have never policed this small car park before). Since there was two free electric bay spaces, and since I wasn't going to be long (just one product), I parked into my former 'regular' spot. There was a notice on the wall but if I'm honest I didn't read it because (a) I'm thick, and (b) I honestly thought it was just telling people how to use the device (like I said, I'm thick) rather than this being a parking fine. I went back during daylight and the sign is very obvious (as you can see from the picture), although not so obvious at night, although probably still obvious enough for you to tell me "tough luck, pal". Now they want £100 or £60 if I pay quickly. Am I doomed?
    • Hi All   After a bit of advice to see where I stand. Bought a car in Sept 2022 on pcp. Been told it had a big inspection and was good to go. Had many issues with it throughout the year including trims coming off the car and sunroof not closing.   While getting the sunroof repaired at month 12, in Sept 2023, the bodyshop guy said your cars been in a bad accident. Garage said it hasn't but offered to take the car back at half of what I paid for it as long as I buy a replacement from them before inspecting it (probably damage control) (car was £78k, said they'd offer £40k "trade in value" as if doing me a favour).   Ended up getting a forensic inspection done for £2400 in Dec 2023, confirmed car was in a bad smash (write off level but unrecorded on hpi) and potentially unsafe to drive - front end is slightly bent towards 1 side, what looks like a hairline crack on the chasis, overspray, bonner with patches of filler all over it, damaged rubbers etc   Raised complaint to finance company and few weeks ago to FOS... just wondering what people's experiences have been like going through the FOS, main thing that concerns me is that it was 12-13 months after I bought the car that I realised what caused these issues and raised the issue to the garage/ finance co but the damage/ misaligned panels are actually visible in the advert photos which I saved thankfully.    Dealership has had my car for 4 weeks to let a few bodyshops look at it (without giving me a courtesy car!!!) Not giving me any updates either because I went to the FOS about it and didnt want to speak to them over the phone anymore as opposed to emails. Note: hanging trim was reported within 3 months but due to part delays it didn't come until like July 2023, within 2 months the piece came off again, claimed under repairers warranty for another replacement 6 weeks ago and within 2 weeks this time the trim is coming off AGAIN (assuming it won't stay on due to the car being actually bent out of shape slightly)   Any idea if I have a good case or if there's anything else I can do?   Thanks
    • After the dealer failed to refund the money I checked the sort code and account number to reveal which bank received the money. It turned out to be HSBC BUSINESS DIRECT ONLINE. I called them and they confirmed the account name wasn’t Langley Cars though obviously didn’t tell me the correct account name. My bank contacted HSBC after I reported this to be fraud and they did in fact do a charge back but reversed the decision when the dealer sent a copy of the receipt he gave me for the deposit where it said it was non-refundable. I said that doesn’t mean anything when the car should never have been put on the forecourt when it was a death trap, and not fit for purpose.   The MOT revealed only a few of the faults which he agreed to correct in a week as I needed the car to travel out of London for work. He didn’t meet that deadline either because there were other more serious problems as identified by my independent car check. The same mechanic informed the dealer of these faults. The car wasn’t fixed by the agreed date due to the extensive repairs needed. So he was in breach of our contract on many levels.    I requested the bank find out the correct name of the account and they said the only information they had was like you said was the account number and sort code. I challenged the bank stating that whenever I create a new payee if the name doesn’t match the registered account name, it declines the creation of the proposed payee. So what happened in this instance?    I checked company’s house using the address from where the dealership is located and there was neither the two names, one was aa advertised in AUTOTRADER and the other on the courtyards entrance. I thought as I had made payment to the dealers ‘Trading as’ name that it would more than likely be enforceable than any other. Indeed the Bailiff was the one to call me and say that a variation of the warrant of control needed to be done before he could go and enforce the order. I cross-checked the address on Companies House website and got 3 different business names. Only one appears to be car related.  I am unsure as to what I can do within the variation of the warrant which the bailiff felt was appropriate. I will speak to him again Monday. 
    • Their PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4. iit was not posted until 13 days after the event for one thing meaning it would be deemed to arrive on the 15th day instead of the 14th day. Now though we cannot expect that your PCN also missed the deadline there were still two other things wrong with the wording of the PCN that if your PCN has the same wording as your friends means that your PCN would not be compliant either. Their PCN does not specify the period of parking as required n the Act. It does show the ANPR arrival and departure dates but as those times include driving from the entrance to finding a parking place then later driving from the parking place to the exit cannot be described as a parking period. I suspect that the " Important Note" on your form will also not comply though I cannot be sure until we see your actual PCN.The reason I can't confirm that is because they sent out the PCN too late they have said that they are pursuing your friend on the assumption that they were the driver as well as the keeper-something that Courts do not accept. But it does look as if your PCN is not compliant which means that the keeper cannot be held liable to pay the charge. Only the driver can be made to pay it. If you have not appealed and revealed who was driving, there is no way that  Excel know who was driving.  So just to be sure please send them an SAR . On another topic do you have any proof that you did not stay there for so long just to really spoil Excel's day.
    • As your first PCN was a Notice to Driver which would have been followed by a Notice to keeper over a month later [even though it may only state Parking Charge notice] it is even more necessary to send PE an SAR. If either document fails to comply with the Protection of Freedoms Act  2012 Schedule 4 then both you and your father are in the clear. So you do not need to worry about is any paperwork from unregulated debt collectors and fifth rate solicitors. The only thing to look out for is a Letter of Claim and all you have to do is respond with a snotty letter back to them .  
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Unpaid TFL PCN, Potential enforcement action. Ready for the fight.


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I received a PCN from TFL sometime back, went through the appeals process (unsuccessfully).

Without going into all the details surrounding the PCN, other then I strongly believe I should not have to pay it due to circumstances beyond my control, but we are where we are.

Currently I have 28 days to pay £240 or a Charge Certificate will be issued.

I’ve been doing some research regarding the enforcement process and the regulations to which enforcement agents are required to follow.            

There seems to be a lot of misleading info out there in particular “Youtube” with wet ink signature, freeman of the land and other none sensical nonsense.

I’ve been reading through the following legislation, The Taking Control of Goods Regulations 2013, The Tribunals, Courts and Enforcement Act 2007- Schedule 12 and Taking Control of Goods: National Standards 2014. If I’m understanding and reading this correctly then the enforcement agent doesn’t have many options available to them (in regards to my situation).

TfL will register the PCN as a debt with the Traffic Enforcement Centre (TEC) at Northampton County Court Business Centre (CCBC). The TEC then authorises and then issues TFL with a warrant of control.

So as this is not a County Court debt (CCJ) then only a “Certificated Enforcement Agent” will be trying to collect the debt, Not County Court bailiffs or High Court enforcement officers.

Certificated Enforcement Agents are limited when it comes to entry. As per - Taking Control of Goods: National Standards 2014 Para 60. A power to enter premises by force exists for the execution of High Court and County Court debts at business premises or at any premises where an enforcement agent is enforcing criminal penalties.

Certificated Enforcement Agents can only enter the relevant premises as set out within the Tribunals, Courts and Enforcement Act 2007 Schedule 12 (paragraph 14). Entry without warrant.  

So, when the enforcement agent is executing a Warrant of Control for a PCN debt. He can only achieve entry by “Peaceful entry”, walking through an open or unlocked door, or if invited in by a competent person over the age of 16.

Regulation 9(1) of the Taking Control of Goods Regulations 2013 says:  Subject to paragraphs (2) and (3), the enforcement agent may not take control of goods of the debtor after the expiry of a period of 12 months beginning with the date of notice of enforcement.

The Enforcement Services Agreement that originates from the Local Government Association. Outsourced bailiff companies must return an unsatisfied debt within 90 days of being instructed.
The company can request an extension to 180 days if there is a prospect of a successful recovery.

Civil Procedure Rules, Part 75.7(10) A reissued warrant will only be valid for the remainder of the 12-month period beginning with the date it was originally issued.

Also, the contravention vehicle is a leased vehicle through Motability. I own no other vehicle. So, Paragraph 10 of Schedule 12 of the Tribunals, Courts and Enforcement Act 2007 states; an enforcement agent may take control of goods only if they are goods of the debtor.  Plus, under regulation 4, goods of the debtor are exempt if a vehicle on which a valid disabled person’s badge is displayed because it is used for, or in relation to which there are reasonable grounds for believing that it is used for, the carriage of a disabled person.

 So, again if I am understanding this correctly, if I decide not to pay £240 to TFL, which I really do not want to. But when TFL instruct a private enforcement company and send agents around to collect the debt as long as I refuse entry and keep the doors locked at all times then honestly what can they do? other than come around between 06:00 – 21:00, knock on the door and ask for payment or access.

 I know they don’t play by the rules I will have to be careful plus video record everything.

I also am aware the Police can be problematic but again if I keep the door locked and don’t cause a breach of the peace.

Then after a while they have to hand the debt back to TFL.

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yes dont pay attention to fMoTl twaddle.

 

what was the PCN for?

and why did your appeal fail, what was your appeal and did you use the correct forms?

 

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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The PCN was for: Code 46 - Stopped where prohibited (on a red route or clearway)

Without going into too much personal detail, I parked my vehicle in the early hours of the morning within a 1-hour parking bay on a red route. I presented myself at my local Hospitals A&E Department.                                          

I parked the vehicle with reasonable belief that I would have returned to the vehicle before the parking restrictions came into force (07:00 -19:00).                                                                                                                                                

Whilst I was waiting in A&E I became very unwell which resulted in me being admitted into hospital for a number of days. 

Later the same day, when I was well enough I arranged to have the car moved by a person who was licenced and insured to do so, which they did.

I received a PCN in the post a few weeks later

I submitted my representation within the required timeframe, but it was rejected on the grounds that the PCN was not issued in error and the signage on display clearly laid out the restricted parking times.

I appealed to the independent adjudicator (London tribunals). The adjudicator stated that whilst she sympathises with the unfortunate events that led to the PCN, she could only overturn the PCN if a legal impropriety had happened. She stated she has no power to force TFL in this matter, I was told to pay the PCN within the next 28 days.

 

Edited by DTP77
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that make things clearer. shame they have no empathy.

 

your resume upon bailiffs is a wee bit flawed and smacks of unfortunately subconsciously? mixing some fMoTl twaddle in with reality... easy done.

 

they are not 'private bailiffs' , they are bona fidi bailiffs, they dont have to be assigned by any court, as parking tickets were decriminalised years ago, meaning authorities issuing a Penalty Charge Notice don't have to use a court to enforce payment, but can go directly to bailiff use.

 

the option of ignoring bailiffs, even though you quite correctly conclude, at this stage, they have no right of forced entry, their fees are automictically added and now stand. the next step is the council could apply to a magistrates court to grant forced entry, which although is rare, does happen.

 

going by most threads here containing advice from better experts than me, they always sadly advise to contact the bailiff and make a payment arrangement.  

 

just incase you've not read it, there is little shrift in contacting or trying to pay the council directly, the bailiff fees still stand eitherway.

 

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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Thank you for your input,

 

I completely agree that an enforcement agent working for Marstons, Rossendales, J.B.W etc are real “bailiffs” and that they have to be Certificated by the county court, and that gives them their authority within England and wales.

 

I also agree a warrant of control issued from the TEC is a legitimate instrument with no need for court involvement.

 

I was merely pointing out that Court bailiffs/officers have more power to enter from what I understand reading through the legislation.

 

In regards to TFL or the Enforcement agent making an application to a Magistrates Court for a forced entry warrant  under Paragraph 15(1) of Schedule 12 of the Tribunals, Courts and Enforcement Act 2007. Which I know you stated is “rare” but reading through the legislation I can only see this happening when…

 

A power for re-entering by force exists where a regulation 15 controlled goods agreement is in place and the goods remain on residential premises but the debtor has failed to comply with the repayment terms of the controlled goods agreement. This power should only be used to the extent that it is reasonably required and only after the debtor has been given notice of the enforcement agent’s intention to re-enter.

 

Or under rule 10(c) of the Criminal Procedure (Amendment) Rules 2015,  Where a bailiff carrying a valid warrant to recover unpaid magistrate’s court fines can enter by force ONLY if the debtor is wilfully refusing to cooperate.

 

Nowhere in any of the current legislation or case law can I see a prescribed court procedure for a bailiff to have an audience at a magistrates court to make the application to force entry to residential premises because peaceful entry has not been achieved.

 

Furthermore, Paragraph 20 of the Taking Control of Goods: National Standards 2014 a bailiffs cannot falsely imply that a debtor refusing entry to a property is classed as an offence.

 

I don’t want to come across as being argumentative I’m looking to see if anyone has experienced this or if you can point me to any legislation that contradicts what I have written then please show me.    

 

 

Regarding a forced entry warrant

 

I found the following, bailiffs cannot make an application to the court to force entry when collecting traffic debts (PCNs)

 

Paragraph 18a of Schedule 12 of the Tribunals Courts and Enforcement Act 2007 prevents bailiffs from using force to enter homes for recovering traffic debts.

The actual legislation is as follows…

 

17 Where paragraph 18 [ F3, 18A, 19 or 19A] applies, an enforcement agent may if necessary use reasonable force to enter premises or to do anything for which the entry is authorised. 

 

18A(1) This paragraph applies if these conditions are met— (d) the sum so payable is not a traffic contravention debt.                 

                                                                                                                                 

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the bailiff does not apply for it?

The Issuing Authority can take the case to magistrates for further enforcement. but it's very rare.

 

your call what you do.

but eitherway, all the fees stand no matter who or when you pay it or not.

 

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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Share on other sites

I’m sorry but I have to completely disagree with you, and frankly you have not provided one bit of evidence to support such a statement.

 

It clearly states within - The Taking Control of Goods Regulations 2013 and The Tribunals, Courts and Enforcement Act 2007- Schedule 12 that it is the enforcement agent that makes the application.

 

Even if the appointed enforcement agent was unable to secure the debt within the framework and time allocated as set out within the above mention legislation. The Issuing Authority lacks standing to bring such a claim to the magistrate court for traffic contravention debts. The "debtors" actions have not in any way breached any part of the legislation.

 

You also state with such certainty that bailiff fee’s “stand no matter what,” in complete contradiction to what is written in the legislation, the warrant of control becomes nullified after 12-months from the date of the Notice of Enforcement, this in turn renders the debt and any associated fee’s legally unenforceable. Unless it is extended by 12 months, on one occasion and the court is satisfied that the applicant has reasonable grounds.

 

But to be fair let’s put your theory to the test.  Somehow by some miracle the issuing authority manages to obtain a force entry warrant. But remembering you previously pointed out that parking tickets were decriminalised years ago, so this is not a magistrate fine. So, no power to force entry.

 

The Issuing authority still needs to appoint an enforcement agent to collect the debt, this is where the flaw lies in your argument. The enforcement agent will still be governed by the rules and regulations such as - Paragraph 18a of Schedule 12 of the Tribunals Courts and Enforcement Act 2007 prevents bailiffs from using force to enter homes for recovering traffic debts.

 

So, no court will issue a warrant to force entry on Residential Premises  no mater how applies for it , because its in contradiction to Paragraph 18a of Schedule 12 of the Tribunals Courts and Enforcement Act 2007

 

Edited by DTP77
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ok well off you go then.....

 

But please comeback at tell us the outcome ....

 

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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They of course could clamp any car the OP has if they know its VRM, and its on a public highway.

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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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Just make sure a Blue Badge isa on display as they are not supposed to clamp vehicles on Motability or displaying a Blue bagde but they have been known to and are not happy when they have to take the clamp back off without getting any money.

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Yes

I have a disabled bay outside my house, also regulation 4, states an enforcement agent should not take control of goods if there are reasonable grounds for believing that it is used for, the carriage of a disabled person.   So, a vehicle parked in a disabled bay clearly qualifies.

Even if my vehicle is clamped and the bailiff refuses to remove the clamp, I will contact the issuing authority to inform them that the enforcement agent they appointed has  breached a provision of the taking control of goods act 2013 , namely regulation 4, and that Schedule 12 of The Tribunals, Courts and Enforcement Act 2007 section 66   leaves both the bailiff and the issuing authority liable.

The longer the clamp remains on the vehicle the more damages can be claimed.  

I would like to correct an error I made in regards to Forced Entry.

Section 15(1) is nothing about forced entry. It allows bailiffs to apply to the court for authority to enter and search for the debtor's goods on premises not specified in the enforcement power. It applies if the debtor keeps goods at another address not specified on the warrant or writ.,     

Section 20 – 22, of The Tribunals, Courts and Enforcement Act 2007- Schedule 12, Application for power to use reasonable force. Is the correct statute to which a bailiff has authority if granted by the court.

But this is irrelevant as...

 Schedule 12- Section 17 - General powers to use reasonable force, where paragraph 18 [ F3, 18A, 19 or 19A] applies, an enforcement agent may if necessary use reasonable force to enter premises or to do anything for which the entry is authorised.

Schedule 12 – Section 18A(1) - This paragraph applies if these conditions are met— (d) the sum so payable is not a traffic contravention debt.

There is no power for the bailiff to enter any domestic premises using force for traffic contravention debts.

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The internet can be a great place for information...however, it can also be a place where people seeking advice about bailiff enforcement can be seriously mislead. 

The fact of the matter is this....you appealed a PCN within the right time frame and lost. You then took the matter to London Tribunals who agreed that that the ticket had been issued  correctly and they ordered you to make payment. How much did the Tribunal state that you had to pay?

I am confused by your post when you state that you have to make payment of £240 otherwise, a Charge Certificate will be issued. With a TfL penalty, the amount required at Charge Certificate stage would be £240. As no Charge Certificate has yet been issued, the amount should not be £240.

At this moment in time, the PCN is still with Transport for London. Therefore, there is absolutely no reason for you to be concerned about bailiff enforcement. 

If you fail to pay TfL, then following the Charge Certificate, an Order for Recovery will be issued and the amount due increases to £249. You will have a period of 21 days to make payment. If no payment is made, a warrant of control can be issued. At this stage, the account can be sent to bailiffs. 

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@ Bailiff Advice

 

Yes, you are correct, my mistake the PCN currently stands at £160, if it’s paid within the 28-day limit or the amount will increase to £240 with the Charge Certificate.                                                                                            

I miss quoted the IA, it is £160.

 

I think where I am really reluctant to Pay TFL knowing that the next stage is an increase to £240 that just stuck in my mind.   

 

I started this topic because I really do not want to pay TFL for reasons already stated.

 

Yes, you are correct there is a lot of misinformation out there which lead me to study the legislation I have mentioned.

 

I posted here to see if anyone with knowledge in this area or experienced this situation in regards to the enforcement action.

I wanted to make sure that my understanding of the legislation was correct.

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The only issue is that in the end you will have to pay.

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@brassnecked

Could you please tell me through what process?

 

I am genuinely interested if you can provide proof that this has happened in regards to an unsettled traffic contravention debt, once the enforcement process has been spent.

 

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I can understand your reluctance to pay. However, not only has your appeal been considered by TfL, but the rejection to your appeal has also been considered by London Tribunals. If you don't wish to pay, then that must be your choice. However, you may wish to bear in mind that if a bailiff is to visit, the debt increases to £559. 

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@Bailiff Advice

Yes, I am aware of the considerable cost that the bailiffs add throughout the enforcement stage.

 

My main question was…

 

If the enforcement agent is unable to settle the debt within the timeframe of the Notice of Enforcement.

 

A power to use reasonable force as per- Schedule 12 – Section 18A(1) - This paragraph applies if these conditions are met— (d) the sum so payable is not a traffic contravention debt.

 

The unlikelihood of a further 12-month extension being granted.

 

I have not seen any proof let alone any procedure for an authority to apply to the County Court for a judgment for an unpaid traffic contravention debt.

 

With all of the above in mind , why should I pay TFL let alone any Bailiff.

 

Again, if anyone can provide proof to the contrary, I’m open and willing to look at it.

Edited by DTP77
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Your reasoning doesn't include that a bailiff can and will clamp any motor vehicle he sees outside your property if he thinks its yours, unless its Motability or displayinga Blue Badge,  he has o need to force entry if there is a car or some expensibe garden furniture available to take control of.

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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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i'd much rather get on and pay £160 in small instalments, which could have started weeks and weeks ago than waste my time arguing, when i know eventually i'd have to pay +£559 sometime in the future... @£10PCW it could have all been paid off by now :crazy:

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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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20 hours ago, DTP77 said:

I have not seen any proof let alone any procedure for an authority to apply to the County Court for a judgment for an unpaid traffic contravention debt.

county court?  civil?:crazy:

  • Like 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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@dx100uk

I am well aware County Courts are civil; your point being? 

Again, I was pointing out the  FACT

There is no procedure for an authority to apply for a judgment for an unpaid traffic contravention debt.  Regardless of it being county or magistrate.

1.    It would not be financially tenable for a local authority to carry on pursuing it.

2.    The process already exists, TEC.   

3.    There are no public record or president of this ever happening.

@Bailiff Advice

At no point have I asked anyone on this forum to assist me or “to outline ways in which a person can get out of paying for a PCN”.    

Neither am I looking for approval or criticism from anyone here, it is solely my decision if I pay or not.

I only posted here to ask the question -  is my understanding of the legislation correct in regards to the enforcement process and the regulations, in relation to the issues I have raised, that’s all.

If not, could anyone here show me within the legislation and point out the parts I have misunderstood.

I then merely went through a possible scenario of events if a bailiff attended my home.   

Then a “Site Team” member made a number of false statements in regards to force entry, applications to the court and bailiff fees, then when confronted with proof (the actual legislation), Instead of acknowledging the mistake he doubles down with short blunt remarks and emojis implying I’m crazy.

Considering this person has been a member since 2006 and has been involved in hundreds of threads advising people with their bailiff issues you would have thought he would have known there is no power to use reasonable force when collecting a traffic contravention debt. That no other person then the enforcement agent can make an application to the court for further enforcement, and once the notice of enforcement as expired the bailiff fees no longer stand.

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:wave:

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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