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    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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That was a very poor response to your sar if that was all you received. You should have been sent all the PCNs they have sent plus debt collector's and solicitor's letters at the very least. Plus any appeals and their responses.

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I am preparing my defence today using the template provided on here, would their poor response to my SAR be worth a mention in the defence? 
 

Appreciate the advice 

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IMHO failure to properly comply with an SAR is a sep matter that can be enforced in court, but is a matter for later. p'haps worth a mention in your WS if the claim ever gets that far.

your defence should be as vague and generic as their POC. not giving anything away.

  • 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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I appreciate the advice thank you, here is my defence as it stands, as copied from the sticky posted earlier, with the reg to be inputted before sending :

The Defendant contends that the particulars of claim are vague and generic in nature which fails to comply with CPR 16.4.  The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 

1.  The Defendant is the recorded keeper of [motor vehicle]. 

2.  It is denied that the Defendant entered into a contract with the Claimant.  

3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.    

4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 

5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.   

6.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.

Also, I am no longer the registered keeper, so I assume I change the 2nd line to ‘the defendant is the former keeper…’

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I don't know if this has already been asked upthread.

Did you receive a Letter of Claim a month or so before the claim form?

We could do with some help from you.

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Would this be a letter from DCB legal or an official looking letter from the court/ government?

If the former I’d like to say no, but there is a possibility.

I’ll be honest anything with the DCB letterhead went straight into the bin without much notice.  

If the latter, then no as I’ve been sure to keep any eye out for anything official from the court. 

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It would have been the former, and if they had failed to send it the matter could have been added to your defence.

The defence is good to go as is.

It doesn't make much odds, but you could change the first part to -

1.  The Defendant was the recorded keeper of [motor vehicle].

 

We could do with some help from you.

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Once your defence is filed please come back here so we can deal with the SAR and other matters.

We could do with some help from you.

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Morning! 
 

apologies for delay in reply, defence is now submitted 

ready for whatever you advise next 

 

Thank you 

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OK, so firstly this throwing away of paperwork has to stop.  You now have to play catch-up, trying to get your hands on the correspondence and with the other side trying to put barriers in your way.  You have to defend yourself without properly knowing what you're being accused of.

For example, we don't know if they respected the Protection of Freedoms Act when they sent the PCN.

So two things.

1.  When they replied to your SAR, did they really just send photos and the appeals in a big block of text?  No PCN?  No reminder letters?  No Letter of Claim?

2.  If so, you can sue them for a couple of hundred quid for distress for not respecting their statutory duty.  Are you willing to do this?  Have a little think about it and let us know.

  • Like 1

We could do with some help from you.

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Have definitely learnt my lesson in terms of keeping paper work, will be sure to file it all and keep it safe. 
 

new generation’s reply to my SAR was indeed just that, the opening page, a second page saying the subject access request is attached then nothing but pictures of CCTV & the entirety of the appeal process with times & dates of when I accessed the appeals portal. 
 

However DCB legal’s reply to the request I sent to them was a bit more thorough, it includes the final reminder from new generation before being passed to DCB legal & even the agreement between land owner & company to enforce these charges. Along with all the photos I’ve previously posted & my rejected appeal.  I’ll be sure to get all these documents uploaded tomorrow as soon as I’m able to 
 

 

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The "Parking Control Agreement" is laughable.

They've totally redacted the name of the "client".

If they present that to a Judge, it will be fun.

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

 

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Not only that but as they haven't decided whether the client is an agent or not, if they are they will need to provide confirmation that they can act on behalf of the Principal. And their position in the company might help. The tea boy does not cut it as a signatory.

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Posted (edited)

In Link Parking v Ms P C7GF50J7 [2016] it was also found that the parking company could not override the tenant’s right to park by requiring a permit to park.

I took that from this website

 

WWW.PARKINGCOWBOYS.CO.UK

The following piece is based on the Parking Prankster's guide to residential parking. It explains how to fight tickets in residential parking situations, often where landholders get unfairly ticketed in their own space. There are many...

which does have other interesting points to strengthen your situation.

Edited by lookinforinfo
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  • 4 weeks later...

Hello all,

been a while since my last post in this thread,

have been patiently waiting for my allocation to the small claims track, which has now arrived.

Although it is dated 04/04 it was only put through the letter box yesterday!

I have until 22/02 to submit the form so any help would be greatly appreciated!

I will upload all pages of the form if necessary 

 

Thanks 

Small claims court .pdf

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That is all that was received, nothing else in the envelope or previously apart from a letter from DCB asking to get in touch with them with an offer for settlement 

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The N180 is just a standard form, instructions on how to fill it in are on any claim form thread.

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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check mcol does it state DQ N180 sent to you?

if it does then:

https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5088148


3 copies

yes to mediation (unless you filed our Statute Barred Defence OR this is a claim for a Private Parking Ticket)

1 wit you

Suitability for determination without a hearing? no (that the issues are so complex they need to be argued orally')

the rest is obv

1 to the court

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

1 for your file

 

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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