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    • Bank the cheque.  No doubt it will bounce - but you never know. When it bounces - that is when you are meant to access their website link and enter your personal details - but of course - DON'T.
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    • If you are absolutely certain* that you were parked OK, write a letter of complaint to the Headteacher and copy in the Chair of the school governors.   If you or the car were identifiable in any way from the photo (eg visible registration number, driver's face etc) I would very politely write that you resent the untrue suggestion that you had parked/had stopped/were waiting in a way that contravened any traffic regulations, and that you are sure that the school will understand that you would like an apology and a correction to be printed in the next newsletter.  (You can also clearly state that you were identifiable from the photo because other parents have mentioned it to you).   See if that works.   You don't want to go to court for defamation as you'll need access to about £10k in fees before you get out of bed.  You just want an apology and a correction.  If what you've told us is accurate, I don't see any reasonable school failing to say sorry.     *My wife is a former school governor and my experience listening to her is that very very few parents actually understand the meaning of the no stopping/no waiting signs and road markings outside schools.  Don't complain unless you are sure you weren't stopped where you shouldn't have been.
    • And they haven't offered a speed awareness course either?  (Have you done one in the last three years or is this in Scotland?)   And is one of the notices for 34 in a 30?  As Man in the Middle says, that ought to be below the level at which they take action.   (And sorry - I don't want to appear preachy - but...  there don't have to be any warnings or signs or lines on the road to advise you of the presence of speed cameras.  If you get away with an exceptional hardship argument you will need to stick to speed limits in future - whether you know there are cameras there or not.  NB Don't know if this applies to you, but most 30 mph limits are restricted roads with a system of streetlighting and don't even need speed limit signs - you are assumed to know this from the Highway Code).
    • It's up to you if you want to pay £300 you don't owe plus whatever Unicorn Food Tax with no basis in law whatsoever that they will have made up in the Letter Before Claim.   We'd prefer you didn't.   But you have received a LBC so it's make your mind up time.   So please    - post up photos of the signage in the dark that you'll have taken two months ago (post 14)    - post up details of planning permission for their signs you'll have found out after you got onto the council, again two months ago (again post 14)    - also let us know if you agree with Brassnecked's excellent letter or if you'd like to tweak bits depending on what you've found out    - upload the LBC.  Some of them are appallingly drafted and invariably contain Unicorn Food Tax which is all useful extra ammo    - also, where are you living now (post 35) and are you comfortable with legal communications arriving at your parents'?   If you look in our PPC Successes thread at the top of the page, you will see 275 times these cheats have been seen off with their tails between their legs (and all had the same "well known legal companies" (ho! ho!) on hand).  In reality 275 times is a massive underestimate, in all 275 cases there was a "moment of victory" IYSWIM where the PPC were thrashed in court or discontinued a claim or were called off by a supermarket chain, etc., etc.  There will have been at least that number again where they were told to Foxtrot Oscar and then crawled back under their stone.  They are eminently beatable but logically when you're in legal dispute you have to put some graft in to beat the other party.
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I am no longer welcome on CAG

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It may be of interest to contributors that a search of public information which I have conducted today in respect of HBOS plc and Halifax plc has produced the following results:

 

COUNTY COURT JUDGMENT (CCJ) SEARCH FOR:

 

HBOS PLC

 

Total Number of CCJs in last 72 months = 32

 

Total Value of CCJs (GBP) in last 72 months = £47,296

 

Total Number of Unsatisfied CCJs in last 72 months = 30

 

Total Value of Unsatisfied CCJs (GBP) in last 72 months = £44,592

 

Total Number of Satisfied CCJs in last 72 months = 2

 

Total Value of Satisfied CCJs (GBP) in last 72 months = £2,704”.

 

 

COUNTY COURT JUDGMENT (CCJ) SEARCH FOR:

 

HALIFAX PLC

 

Total Number of CCJs in last 72 months = 363

 

Total Value of CCJs (GBP) in last 72 months = £758,597

 

Total Number of Unsatisfied CCJs in last 72 months = 346

 

Total Value of Unsatisfied CCJs (GBP) in last 72 months = £740,366

 

Total Number of Satisfied CCJs in last 72 months = 17

 

Total Value of Satisfied CCJs (GBP) in last 72 months = £18,231”.

 

I should add that I have not verified the above details on the with Registry Trust Ltd which I believe would produce an up-to-date listing of the Courts, the Case Numbers, the Dates of Judgments, the Amount and the dates of satisfaction - if applicable.

 

I understand that a Search of the CCJ Register with Registry Trust Ltd can be made on payment of £8 (previously £4.50) at the following LINK:

 

RTL Home

 

Hope this helps.

 

A Well Wisher.

 

I wonder how many of those CCJ's would have been made if the debtors had been aware that they were entitled to request proof of the ownership/enforceability of the credit agreements that they relate to?

 

Far too many people simply do not defend consumer credit CCJ applications or just admit the whole debt without any question or thought as to whether they are legally liable.

 

Mostly this is due to the fear of court proceedings or ignorance of their rights. Thank goodness for forums like this where people can learn that whereas they have an obligation to pay their debts, the creditor also has an obligation to comply with consumer legislation, and that a possible consequence for a creditor of not having complied could be that the debtor is legally absolved from any obligation to make further payments.

 

What frustrates and baffles me most is why such an important piece of consumer protection (the CCA) has for years been virtually inaccessible and impossible to understand for the average consumer!

 

All we have ever been privy to is a tiny section of text on most credit agreements that says something like ' The Consumer Credit Act 1974 lays down certain requirements for your protection which should have been complied with when this agreement was made.........etc'

 

What good is that without a clear explanation of what those rights are?

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

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it is public record of outstanding CCJs that are LODGED AGAINST HBOS PLCC AND HALIFAX PLC.

 

 

A Well Wisher.

 

Crikey!! :eek:

 

That's much more interesting!

 

It would be so good if all of the judgement creditors decided to apply to the court for enforcement orders at the same time! A posse of bailiffs descending on their High Street branches would be a sight for sore eyes! :D

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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Extremley interesting....Many thanks Richard foryou superb research and dedication to the cause, I find your posts extremely helpful and informative.

All my knowledge has been gained from personal experience and the sharing of advice from fellow members.

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I am no longer welcome on CAG

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i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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ANONIMITY RULES!

 

But I can't help wondering what Richard Spud does for a Day Job ;)

 

So much useful information. Thank You!

 

.. and congratulations on reaching your centenary post.

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Dear KogneeToh (Pam).

 

I have noted your comments and I agree with your sentiments. However, I apologise for not making it clear in my posting that the County Court Judgments with regard to HBOS plc and HALIFX plc are not a record of total unsatisfied CCJs which the above companies have against other parties, it is public record of outstanding CCJs that are LODGED AGAINST HBOS PLCC AND HALIFAX PLC.

 

I hope this helps to explain the situation.

 

You can see another of my postings for a further example.

 

THIS MAY BE OF INTEREST TO HSBC BANK PLC CUSTOMERS

 

HSBC & Metropolitan Debt Cllection - Advice needed please! - MoneySavingExpert.com Forums

 

A Well Wisher.

 

 

Just as a little hint to anyone that may be having thoughts about this information.

 

One of the PRIME things that can result in a company/person being unfit to hold a consumer credit license is having a CCJ recorded against them.

 

I'm wondering what the OFT would think about a major bank having 346 unsatisfied CCJ's totalling £740,000 against them.

 

Very nice work Richard.

  • Haha 1

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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I've got a judgment in default against HBOS but because my N1 claim was for refund of charges and default removal and they have paid the charges off the balance of my card I cannot go any further with it. I have written to HBOS and also to the court stating my POC are in 2 parts but no one wants to know. It makes a bit of a mockery about these companies having CCJ against them. I have telephone their legal services department who realises there is a CCJ against them but tells me they will have to look at my account to see how I managed my account and if it wasnt managed well they will not remove the default. Can I keep the CCJ on there if that is the case. Or will they just go for a set aside anyway and get it removed?

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I should add that I have not verified the above details on the with Registry Trust Ltd which I believe would produce an up-to-date listing of the Courts, the Case Numbers, the Dates of Judgments, the Amount and the dates of satisfaction - if applicable.

 

I understand that a Search of the CCJ Register with Registry Trust Ltd can be made on payment of £8 (previously £4.50) at the following LINK:

 

 

I have actually done this recently in respect of one of my creditors (who shall remain nameless for the moment) with equally jaw-dropping results.

 

The report I received states the date, the claim number and the amount, foe each CCJ.

 

I’m in the process of obtaining one more report, which I hope will be equally damning.

 

Els

BANK CHARGES CAMPAIGN CONTINUES - PLEASE SIGN THIS PETITION

 

Aktiv Kapital £300.00 SETTLED IN FULL

Capital One £741.47 SETTLED IN FULL

Citi Cards £1221.00 SETTLED IN FULL

LTSB(personal) £3854.28 SETTLED IN FULL

LTSB(business) £7487.97 SETTLED IN FULL

 

What poor education I have received has been gained in the University of Life

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I have actually done this recently in respect of one of my creditors (who shall remain nameless for the moment) with equally jaw-dropping results.

 

The report I received states the date, the claim number and the amount, foe each CCJ.

 

I’m in the process of obtaining one more report, which I hope will be equally damning.

 

Els

 

 

please posts these

 

they are in the public domain

 

name and shame:D

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please posts these

 

they are in the public domain

 

name and shame:D

 

If they were in the public domain, pford, you wouldn't need to ask me, you could just look for yourself.;)

 

As it is I paid £8 for the information, which I sought for a very specific reason in connection with a claim.

 

Suffice it to say that the information will ultimately be available to everybody, but if you want to know more, please send me a PM.

 

Els

BANK CHARGES CAMPAIGN CONTINUES - PLEASE SIGN THIS PETITION

 

Aktiv Kapital £300.00 SETTLED IN FULL

Capital One £741.47 SETTLED IN FULL

Citi Cards £1221.00 SETTLED IN FULL

LTSB(personal) £3854.28 SETTLED IN FULL

LTSB(business) £7487.97 SETTLED IN FULL

 

What poor education I have received has been gained in the University of Life

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I've got a judgment in default against HBOS but because my N1 claim was for refund of charges and default removal and they have paid the charges off the balance of my card I cannot go any further with it. I have written to HBOS and also to the court stating my POC are in 2 parts but no one wants to know. It makes a bit of a mockery about these companies having CCJ against them. I have telephone their legal services department who realises there is a CCJ against them but tells me they will have to look at my account to see how I managed my account and if it wasnt managed well they will not remove the default. Can I keep the CCJ on there if that is the case. Or will they just go for a set aside anyway and get it removed?

 

Hi

 

Did the judge include the removal of the default in his oral judgement and is it included in the final order? If so, you may need to seek an enforcement order from the court to get HBOS to remove it.

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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There was no oral order. It never went to court. They didnt send a defence just paid off the balance the day after I had sent the request for judgment, which I did get but on the default judgment from the court it didnt mention removal of my default just the payment of the charges.

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There was no oral order. It never went to court. They didnt send a defence just paid off the balance the day after I had sent the request for judgment, which I did get but on the default judgment from the court it didnt mention removal of my default just the payment of the charges.

 

Hi

 

In that case I think you need to write to the judge and explain that removal of the default was also part of your claim and request that he amends the default judgement to include this.

 

Without a court order regarding this, the creditor will no doubt continue to 'thumb their nose' at you!

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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Hi Notty

 

Don't take no for an answer - if this is part of the claim and they have not complied then advise the judge. they'd be quick enough to chase if you did not comply with a CCJ.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Hi there

 

A very interesting thread and one that has personal interest to me too as I have dealings with Blair et al!!!! They have defaulted on a CCA for my BOS credit card and yet are still hassling me. The original loan agreement with Bank of Scotland does not say anywhere that they have my authority to refer it to debt collectors and I am disputing the fact that they have.

 

I also have a loan account with GE which has been sold to Link. The document is not signed by GE (only me!) and I was under the impression that this was improperly executed and couldnt be enforced. I am at a loss now as to whether it is enforceable or not. Can somebody please advise me.

 

Ta much

Gemspan

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I am no longer welcome on CAG

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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  • 4 weeks later...

subscribing:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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