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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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Parallel Parking Ltd/Gladstones Solicitors PCN claimform - ignored everything - now default judgement.


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Hi,

I'm asking a question on behalf of a friend who parked at the rear of her property.

She has only just made me aware that she has received the Judgement for Claimant and has explained that she was ignoring it because she didn't think it was genuine.

The car park is adjacent to her property and she'd parked for around 5 minutes to load some vegetation into the back of her vehicle to take to the tip, leaving the vehicle to go back into the house to get her children.  The bush had been blown over onto the car park, so both she and her father were removing it. 

I'm just querying how to advise her.

She is a disabled single mom with 2 kids so if you can help I would be grateful.

The questions are:

1) Is the Civil National Business Centre genuine?

2) If this is genuine, should she pay £282.11?

Thanks

PD

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Yes it genuine

 

I will leave the car park vetrans to comment on whether you should pay it or not

Edited by jk2054

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It is highly, highly likely it is genuine.

Just so we can be 100% sure, can you upload the court order?

If it is as we fear, there is no way out of it, from the court's point of view she had a chance to defend and chose not to.  Case over.

Her unpalatable choices are 99.9% likely to be -

1.  Don't pay.  In eight years here I've never seen a  private parking company enforce judgement for a single ticket.  But defying the court will lead to a CCJ and a knackered credit file for six years.

2.  Pay the £282.

Thinking about it she may be too late to do (2) ... she has 30 days from judgement ... so please upload the order here urgently.

 

 

.

We could do with some help from you.

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  • dx100uk changed the title to Parallel Parking Ltd/Gladstones Solicitors -default judgement.
  • dx100uk changed the title to Parallel Parking Ltd/Gladstones Solicitors PCN claimform - ignored everything - now default judgement.

what date is the judgement, thats all we need to know.

 

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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dx is spot on.  We need to know the date of judgement, not when the claim was issued.

We could do with some help from you.

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Issued 13th but judgement already? 
 

May be me but it seems a bit off as CNBC take a few weeks to process judgement by default.

 

May the OP mean judgement was that date?

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I only have the Judgement for Claimant (in default) dated 16th November.

I only have one other document entitled 'claim form' referring to the incurring of a parking charge on 24th May 2023 dated 13th October 2023.

As I previously said she's ignored it until today when she asked for my opinion.

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thank you

the bottomline here is as @FTMDave outlines.

if she pays the full amount to the claimant by 16th december her credit file will not be marked .

if she doesn't then things like any new credit she might want for 6yrs will be out the window.

it cant hurt her existing credit or accounts etc nor ins etc.

so if shes not bothered about more credit or as i expect didnt even know she has a credit file ...then it can't hurt her if not paid

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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16 November, OK.  So the following is 99.99% certain (it would still be good to see the actual Judgement for Claimant to fill in the extra 0.01%) -

48 minutes ago, FTMDave said:

1.  Don't pay.  In eight years here I've never seen a fleecing private parking company enforce judgement for a single ticket.  But defying the court will lead to a CCJ and a knackered credit file for six years.

2.  Pay the £282 by 16 December.

 

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 OTHERS

 Have we helped you ...?         Please Donate button to the Consumer Action Group

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Hi again,

I've spoken to the young woman concerned and she says that she hasn't received any other documents apart from the claim form, response pack and judgement for claimant (default).

She is convinced that the Civil National Business Centre isn't anything to do with the County Court and that she's read a lot on the internet about companies engaged to 'police' private car parks who are just debt collectors, hence ignoring the documents.

The claim form does have the correct details for her vehicle which she admits was parked for around 5 minutes in a parking space by the back gate to her house.

The vehicle was then driven away to the refuse tip by her father.

 

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Yes, I'm afraid it is legit.

23 hours ago, FTMDave said:

Her unpalatable choices are -

1.  Don't pay.  In eight years here I've never seen a fleecing private parking company enforce judgement for a single ticket.  But defying the court will lead to a CCJ and a knackered credit file for six years.

2.  Pay the £282 by 16 December.

 

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 OTHERS

 Have we helped you ...?         Please Donate button to the Consumer Action Group

If you want advice on your thread please PM me a link to your thread

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hang on 5 mins guys... hehe 5 mins. you say she only stopped for 5 mins? before the bloke in the bushes comes out and slaps a pcn on her windscreen?

is there no grace period here?

@PDTS

in both uploads of the claimform you've blanked the particulars of claim.

please put them back but obscure any reg number or pcn number they put.

 

just wondering guys......

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, carpark but I'm not sure if it has ANPR. Her back gate opens out directly onto it. Apparently you can purchase a parking permit for a lot of money, which evidently she doesn't have. 

How on earth did that post as PDawn? I joined the forum years ago and lost the log in but it has posted as my old user PDawn. Sorry, no idea how that happened! 

Edited by PDawn
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which username would you like?

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

we need the location from the claimform too ,

is this the official carpark for this residential estate she lives in and she is obv a tenant too?

in many residential parking issues, the tenancy agreement comes with parking inc, the fact she might need a permit is immaterial, it's called supremacy of contract.

how if she lives there, where she normally parks in the same place? why has she thus not received other speculative invoices to date?

the story has holes that need filling in. like location of her flat and location for this PCN

there might be a way to get this crushed.

thread title updated

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

the carpark location is named as ST JOHNS, WV15 6AG. 

She rents from a housing trust, her home is in a terrace with on-street parking so she doesn't use the car park at the rear of the property.

This was a once only time for a few minutes so her father could load the vegetation that he'd cleared from her rear gate and the car park.

She had her blue badge in the vehicle too and she wasn't  even driving it.

She has ME and needs help with various tasks, hence her father helping.

Is that enough information? 

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is this rear carpark mentioned in her tenancy, in terms of there is a space allocated toward the property she is renting. regardless to if she takes this up or not.

i will guess she is not the only one that has a backgate so to speak into it? what do the other residents done? park on street or use the park.

i am just rying to understand if there is a relationship between tenancy agreements and this 'carpark'

 

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

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