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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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Help needed with County Court Claim issed by Capquest re. Citicard


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I have today received a County Court Claim form the claimant being Capquest Invesments Limited.

 

The particulars of the claim are as follows:-

 

Monies are due under regulated credit agreement number xxxxxx between Citifinancial Europe Plc and the Defendant which was assigned to the claimant on XX/XX/XX. The agreement terminated upon the defendants failure to comply with the terms of the agreement and/or the statutory notice of default served by Citifinancial Europe Plc. The claimant seeks contractual interest pursuant to section 69 of the County Courts Act 1984 at the rate of 8% per annum from the date of the issue continuing the daily rate of 1.22. Any payments or queries should be directed to the claimant on: XXXX XXXXXXX or XXXXX XXXXXXXX.

 

What do I do now? Yes I do owe the money, can't afford to pay it.

 

I hope somebody can advise me.

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Hi there.

 

There should be an admission form [ n9a ] sent with the claim, this will allow you to fill in your income & expenditure and make a reasonable offer of repayment. If you have other creditors too, this offer should be a pro-rata amount compared to your other debts.

 

This following factsheet will give you all the info you need. If you get stuck reply back on here. Good luck with it all.

 

PS - SEND YOUR OFFER TO BOTH THE CREDITOR AND THE COURT (recorded!)

 

National Debtline England & Wales | Debt Advice | Factsheet 20 Replying To A County Court Claim Form

 

ps - are you in mortgaged or rented property (important)

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In mortgaged with arrears.

 

you need to bear in mind that it isn't always a given that the judge will grant an instalment order, they may decide the amount is payable forthwith, this would allow the creditor to go straight for enforcement - a popular method being a charging order. Make sure your offer is reasonable and show the court as much info as you can to convince them to grant you the instalments.

 

have you an arrangement for the mortgage arrears?

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I have some queries with the admissions form.

 

I am a student so i'm assuming I put unemployed? But I want to let them know i'm a student and studying to enable me to get a job when my children are at school so can I attach a letter explaining this?

 

I have no income other than child benefit, and my husband is self employed. Do I fill his income in and our joint expenditure and joint debts?

 

Thank you for your help.

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Your Husband is only liable if you signed a joint agreement.

Why should the loan company expect him to pay towards your debt.

As such, I would not include his income on any admission.

 

Many years ago GUS catalogue CCj'd my then wife and i refused to make any payment towards it.

They had to accept £1 a month from her child benefit.

All the threats in the world couldnt make me pay.

Of course I will pay you everything you say I owe with no proof.

Oooh Look....Flying Pigs

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