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    • ive locked the old thread post here now. it's how backdoor CCJ's work sadly as he didn't update his 'creditors' he had moved sadly quite legal and to be honest 9/10 nothing can now be done. paying it will NOT resolve the issue a CCJ shows for 6yrs regardless to paid or not or paying or not. you could poss ask whom is refusing his guarantor status for you that if the CCJ is paid, would the issue be resolved, but that will cost you the sum of the judgement. dx  
    • new thread created for this parking CCJ. please only post here now.  
    • So how can the courts then issue a CCJ?! Confirmed by Registry Trust? and issued by CNBC?! 😡  I'll phone again tomorrow and get all the details.
    • dx is wrong there. The reason they did the application with a hearing is likely that they had questions of the application that weren't answered in their wx. nothing to do with your N180 no they are just saying that they want the extension to make it 7.
    • its not a fine! it is NOT A FINE.....this is an extremely important point to understand no-one bar a magistrate in a magistrates criminal court can ever fine anyone for anything. Private Parking Tickets (speculative invoices) are NOT a criminal matter, merely a speculative contractual Civil matter hence they can only try a speculative monetary claim via the civil county court system (which is no more a legal powers matter than what any member of Joe Public can do). Until/unless they do raise a county court claim a CCJ and win, there are not ANY enforcement powers they can undertake other than using a DCA, whom are legally powerless and are not BAILIFFS. Penalty Charge Notices issued by local authorities etc were decriminalised years ago - meaning they no longer can progress a claim to the magistrates court to enforce, but go directly to legal enforcement via a real BAILIFF themselves. 10'000 of people waste £m's paying private parking companies because they think they are FINES...and the media do not help either. the more people read the above the less income this shark industry get. where your post said fine it now says charge dx
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      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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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cheatedgeoff
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Should i account for INTREST CHARGED WHILST ACCOUNT OVERDRAWN?

i have asked for last six years worth of statements,so far i have recieved 12 months normal statements and a spreadsheet of carges for 3 years befor that. whilst working on normal statements, i was adding intrests charged whilst overdrawn,with the rest of the charges,am i correct in doing this? if so,abbey have not included these charges in the spreadsheet format? should i also request these aswell?

thanks for any help

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you cannot directly or fully claim back anything that is listed on your statements as interest.

you can however, reclaim a portion of your overdraft interest that was made solely of unlawful charges levied against you.

there are speardsheets availble to do this, but unless we are talking about a claim of several £100's before this calc, then money wish it is not worth it.

 

contractural interest might be the way to go.

 

type that in at the search bar, and have a read.

 

dx100uk.

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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Hi Cheatedgeoff

http://www.consumeractiongroup.co.uk/forum/abbey-bank/84077-alex-abbey-has-anyone.html

A number of us have been pondering this latest 'helpful' spreadsheet idea from Abbey. As you rightly say there is no record of the interest paid or the overdraft balance at statement date which means that the spreadsheets held in this forum can't calculate the interest charged on these penalties. Even worse, there is some concern that if a case gets to court ABBEY will deem their OWN spreadsheets inadmissable! unbelievable huh? Check the thread and good luck.

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