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    • Northmonk forget what I said about your Notice to Hirer being the best I have seen . Though it  still may be  it is not good enough to comply with PoFA. Before looking at the NTH, we can look at the original Notice to Keeper. That is not compliant. First the period of parking as sated on their PCN is not actually the period of parking but a misstatement  since it is only the arrival and departure times of your vehicle. The parking period  is exactly that -ie the time youwere actually parked in a parking spot.  If you have to drive around to find a place to park the act of driving means that you couldn't have been parked at the same time. Likewise when you left the parking place and drove to the exit that could not be describes as parking either. So the first fail is  failing to specify the parking period. Section9 [2][a] In S9[2][f] the Act states  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN fails to mention the words in parentheses despite Section 9 [2]starting by saying "The notice must—..." As the Notice to Keeper fails to comply with the Act,  it follows that the Notice to Hirer cannot be pursued as they couldn't get the NTH compliant. Even if the the NTH was adjudged  as not  being affected by the non compliance of the NTK, the Notice to Hirer is itself not compliant with the Act. Once again the PCN fails to get the parking period correct. That alone is enough to have the claim dismissed as the PCN fails to comply with PoFA. Second S14 [5] states " (5)The notice to Hirer must— (a)inform the hirer that by virtue of this paragraph any unpaid parking charges (being parking charges specified in the notice to keeper) may be recovered from the hirer; ON their NTH , NPE claim "The driver of the above vehicle is liable ........" when the driver is not liable at all, only the hirer is liable. The driver and the hirer may be different people, but with a NTH, only the hirer is liable so to demand the driver pay the charge  fails to comply with PoFA and so the NPE claim must fail. I seem to remember that you have confirmed you received a copy of the original PCN sent to  the Hire company plus copies of the contract you have with the Hire company and the agreement that you are responsible for breaches of the Law etc. If not then you can add those fails too.
    • Weaknesses in some banks' security measures for online and mobile banking could leave customers more exposed to scammers, new data from Which? reveals.View the full article
    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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Lowell/Overdales claimform - old Next CAT debt


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Not forcthe n180 no. Only for WS time if and when, you play your cards then

 

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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A few silly questions.

 

I've downloaded the N180, can I type in all the answers or does it need to be printed out and then hand written (it would be easier to type then print as I don't have a scanner to make copies)?

 

Also should I sign the signature box or just put an X and I've read they can lift the signature and use it? .

And the last thing, can I email it to the court using the email address I sent the defence in to?

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you can do what you like.

as for your other questions read my guide again earlier here CAREFULLY.... its all there.

dx

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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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On 17/02/2024 at 12:38, dx100uk said:

1 to their sols (omit phone/sig/email) if no sols send to claimant

 

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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, I was going to post one copy to the solicitor and email the court on the email address I sent my defence to.

I feel uneasy filling this form in knowing it's going to the solicitor as I'm asked to fill in a phone number and email address and also sign it. None of this I would like to give to the solicitor or claimant.

Also if I say no to "Suitability for determination without a hearing?" Would that mean that I will definitely end up in court as a judge wouldn't be able to rule in my favour before going to court even if they wanted to?

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I'm not really sure how you think a judge would rule in your favour before court if they want to. They don't review the files until the hearing/determination after they've allocated the case.

No for DWAH means both parties will go to a hearing.

if you say Yes for DWAH then a judge will look at it and decide if they can decide without a hearing. If they can't decide without a hearing then they'll schedule a hearing. If they can, they'll review and make a decision. Even if you tick yes, they can still schedule a hearing if they so wish.

You should tick no anyway because if you tick yes it just gives the claimants an easy way out without needing to turn up.

Forcing a hearing forces them to turn up = higher chance they'll discon anyway.

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please just follow the guide.

the copy sent to the court does NOT get relayed to the claimant.

thats WHY - as we CLEARLY state - you dont give email/sig/phone on the claimants copy if the claim is subject to a consumer credit agreement (CCA).

i would NOT be using email.

1st class stamps and get free proof of posting for each at any po counter.

sorry but again if you'd bother to read like claims...you would not be asking these and most of the other schoolboy questions you are asking.

you MUST daily read up on existing card claimform threads here, else i can see you losing this claim through ignorance. we don't have the time to nursemaid....

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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Im really sorry for being a pain.

Again I don't want to give a sob story but if you knew me away from this site you would actually be quite impressed on what I've been doing so far.

 

I have been doing a lot of reading and I think that's why I'm asking the questions I have been as what I've been reading doesn't always match with the things I have in front of me.

 

I'll try and post less and try and figure more out for myself.

 

Thanks again for all the help you have been giving me. 

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12 hours ago, StopTheBullies said:

I'll try and post less and try and figure more out for myself.

Noooo please do not :-D Ask away

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We could do with some help from you.

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7 hours ago, StopTheBullies said:

(I actually thought I ticked not to mediation).

Check your copy that you saved for your file ?

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

 

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the ans is already here in your thread..

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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