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    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (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. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
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Help with an old debtor- CCJ looming!!


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Are you aware of the costs implications of appealing?

 

An appeal would not be heard by a DJ. What did you put in your amended defence?

 

Hi, Zoot, I've seen a copy of the defence (unfortunatly, Rich told me to keep it confidential, so I can't share it with you).

 

It really wasn't that bad, and should have been accepted IMHO (it might not have necessarily won, but it was arguable) ...

 

I've also suggested to Rich that he really needs to seek some professional help before making the decision to appeal, and that if he does so it might have quite substantial cost implications.

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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Are you aware of the costs implications of appealing?

 

An appeal would not be heard by a DJ. What did you put in your amended defence?

 

Yes I`m aware that a DJ will not be dealing with an appeal.

 

I`m not prepared to post the amended defence for obvious confidentiality purposes.

 

The costs are worth it if we can watch the particular DJ who originally threw out my Defence etc.. eventually see red:)

Any feeling that I`ve helped you today- then add to my reputation and click those scales!

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Hi, Rich,

 

Just read your thread and am gutted that they threw your legitimate defence out!

 

I've had a bad experience with a DJ recently too so I sympathise. Some of them really don't have the faintest clue about Consumer credit Law and aren't even prepared to listen to arguments, it seems to me.

 

If you do decide to appeal, GOOD LUCK!!

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Hi, Rich,

 

Just read your thread and am gutted that they threw your legitimate defence out!

 

I've had a bad experience with a DJ recently too so I sympathise. Some of them really don't have the faintest clue about Consumer credit Law and aren't even prepared to listen to arguments, it seems to me.

 

If you do decide to appeal, GOOD LUCK!!

 

Yeah, Thanks Blossom;)

Any feeling that I`ve helped you today- then add to my reputation and click those scales!

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  • 2 weeks later...
Yes I`m aware that a DJ will not be dealing with an appeal.

 

I`m not prepared to post the amended defence for obvious confidentiality purposes.

 

The costs are worth it if we can watch the particular DJ who originally threw out my Defence etc.. eventually see red:)

 

Have all parties seen the defence now? Is there any reason not to share the information with everyone on CAG, as they have shared information with you? It may help others, as well as giving you a much wider audience to chip in and offer advice and support as you prepare for court.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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In fairness Caro, the case may never get back to court!

 

At the moment they have judgment, so all in all the defence didn`t work. I don`t want to send other C.A.G. members on the wrong path by posting something which may not be entirely helpful to them.

 

I would be happy though to help other members by p.m. if they require so, because it appears at this moment in time their are several DCA`s in disguise within the site:evil:

Any feeling that I`ve helped you today- then add to my reputation and click those scales!

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Is the lesson to be learnt here the fact that the origonal defence was not received on time and if it had the outcome may have been different?

 

Berty

 

No. the original defence was filed and served correctly. what happened in this instance, I fear, is that the original defence became invalid because they sent a credit agreement to the court; and a subsequent amended defence was not submitted within a reasonable time before a strike out hearing. the reasons for this are complicated, and involve the banning of a former member.

 

technically, because the application to amend the defence was not accepted, the original defence was the one Rich lost under.

 

I suspect the judge was angry that Rich had not submitted the application to amend the defence in good time, and because Rich wasn't there in person all the judge heared was the creditors side of the story.

 

90% of the time, if you are not at the trial hearing, you will lose.

 

Rich did have good reason not to be there, but all the judge knew was a small part of the reason. I suspect if he had the full story, he wouldn't have been so quick to have the hearing without Rich's attendance.

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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Just to clarify a couple of things.

 

Firstly, what I meant by pm`ing members to assist them-- what I meant is that I will pm members, but not with my amended defence as I feel it is only suited to my case.

 

Also, in response to tomterms quotes. I had the credit agreement in my possession and included the non- validity of it in my amended defence. Just because the claimant sent it in to the court to see, this really wasn`t the issue here. The agreement was never an agreement- just an extended application! Also what is a strike-out hearing as I thought it was a hearing for summary judgment? Did the judge already have the inclination to strike out my case before I turned up?(or not in this case).

 

Finally I`m not sure where `the banning of a former member`merges into my case? There surely can`t be any involvement by Laiste for the judges decision -surely? She helped me immensely throughout the thread and I was proud to have her on my side, I wouldn`t of done it any other way!!

Any feeling that I`ve helped you today- then add to my reputation and click those scales!

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Hi, Rich.

 

Just to clarify a couple of things.

...

 

Also, in response to tomterms quotes. I had the credit agreement in my possession and included the non- validity of it in my amended defence. Just because the claimant sent it in to the court to see, this really wasn`t the issue here. The agreement was never an agreement- just an extended application! Also what is a strike-out hearing as I thought it was a hearing for summary judgment? Did the judge already have the inclination to strike out my case before I turned up?(or not in this case).

strike-out hearing = summary judgement hearing. A summary judgement hearing is where they decide if there is any case to answer.

 

Finally I`m not sure where `the banning of a former member`merges into my case? There surely can`t be any involvement by Laiste for the judges decision -surely? She helped me immensely throughout the thread and I was proud to have her on my side, I wouldn`t of done it any other way!!

 

I wasn't criticising Laiste, Rich. However, i certainly thought you were getting the help you needed from her, and didn't realise she had been banned until your court case was imminent.

 

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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Hi, Rich.

I just been reading the threads and its clear to me that you are criticising Laiste and I can only say from past experience that Laiste has been a God send to me. Her advice, freely given has cleared a very large amount of my debt and when I next have to go to court, I know she will be in my corner, if nothing else she gives me the bottle to fight, instead of just rolling over. It is a great pity that her advice is no longer available to everyone on this site.

MONEYDOWNTHEDRAIN

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I wasn't criticising Laiste, Rich.

 

I just been reading the threads and its clear to me that you are criticising Laiste

 

I hope that clarifies matters.

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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Quote "and a subsequent amended defence was not submitted within a reasonable time before a strike out hearing. the reasons for this are complicated, and involve the banning of a former member"

 

You can say what you want Tomterm, but it doesn’t change the facts, you WERE levelling unfounded criticisms at Laiste, and you weren’t in the slightest bit subtle about it, you then proceeded to back-peddle for England, in a bid to retract your comments and failed gloriously!

 

Don’t flatter yourself, or insult my intelligence that you have clarified anything in respect of the remarks you made. You deliberately made comments that insinuated that the reason Rich lost his case was because of Laiste. Furthermore, you were intentionally vague about how this apparently happened, by stating the reasons were “complicated”, how very convenient! You clearly didn’t want to bother us lesser mortals on here, with the actual details, and I have to say, I can see the difficulty you would have faced in attempting to help us all understand just how exactly Laiste’s banning had anything at all to do with the Judgment obtained against Rich! However, it is clear from your comments that you either believe and/or have evidence to substantiate what you are saying, and I am very interested to know what correlation there is between Laiste’s banning and Rich’s Judgment. So, why don’t you explain to me in as much detail as is required, just what exactly the connection between the two are.

 

I look forward to reading your explanation and I give you my word that I will try to keep my apparent dyslexia and inability to understand under control…..I tell you what, we will come back to your vile, disgusting and libellous remarks made at lunchtime, a little later! Oh, did you think I hadn’t seen the post? Well fortunately for you, I read every single word….before you deleted, or were instructed to delete, all evidence of the message! Luckily, I have a copy of the post, which will be helpful when I take advice in respect of the site's and your personal liability for the remarks.

 

Looking forward to hearing from you!

MDTD.

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For your information, the post refered to was moderated. i was neither instructed, neither did i take it down.

 

If you intend to take any action, i suggest you PM me with the name of your Lawyer. Otherwise, I have no interest in you or replying to you further. I am putting you on ignore.

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...

Here`s an update.

 

Enforcement action now being taken bearing in mind that Judgment was given due to me not attending the Summary Judgment hearing!:mad:

 

Hearing for an interim Charging Order now scheduled.

 

Any input for my case to present to the judge giving multiple reasons why this should not happen-- then please provide your input-- it would be appreciated!!

 

Is it correct also that my partner should receive a letter from the Land Registry advising her of the following and I quote:-

 

"You are a registered proprietor and :- RESTRICTION- No disposition of the registered estate is to be registered without a certificate signed by the applicant for registration that written notice of the disposition was given to XXXXXXXXXXXXXXXXXXXXXXXXX being the person with the benefit of an interim charging order made by the County Court etc. etc.. The applicant states that the Court has made a charging order against this property in case number XXXXXXX"

 

So I suppose it is now up to my partner to write to the L.Registry with her objections especially as she is not owing any money to the applicant- right?

 

Also it is interesting what the L.Registry are stating- I quote:-

 

"There are very few circumstances in which someone would be able successfully to object to such an application.

 

For instance, an objection on the following basis would NOT prevent completion of the application

- that you are already negotiating with the applicant as to how to pay/paying in instalments. The court order is still valid.

- that you do not agree with the order or that you owe money to the applicant. You may still be able to apply to the court to cancel the order but it is still valid.

 

If the Court order is made against a person who owns the property with you and not you personally then the above still applies. The Court order only affects the interest in the property of that person but the applicant may still make this application."

 

Any assistance in this case would be gratefullly appreciated- I do have a few notes already that I have towards an argument against the Judge making a full and final C/Order!!!

Any feeling that I`ve helped you today- then add to my reputation and click those scales!

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Is it correct also that my partner should receive a letter from the Land Registry advising her of the following and I quote:-

 

"You are a registered proprietor and :- RESTRICTION- No disposition of the registered estate is to be registered without a certificate signed by the applicant for registration that written notice of the disposition was given to XXXXXXXXXXXXXXXXXXXXXXXXX being the person with the benefit of an interim charging order made by the County Court etc. etc.. The applicant states that the Court has made a charging order against this property in case number XXXXXXX"

 

So I suppose it is now up to my partner to write to the L.Registry with her objections especially as she is not owing any money to the applicant- right?

 

It is a legal requirement for your partner to be informed. Basically it is just making her aware (just in case you did not tell her) that there are certain requirements to be met before a sale can complete. It does affect her share in the property in any way.

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  • 4 weeks later...

Would you like to elaborate Rich. What's the problem? A quick update on where you are and what you need at the moment would help.:)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Enforcement action now being taken bearing in mind that Judgment was given due to me not attending the Summary Judgment hearing!:evil:

 

Hearing for an interim Charging Order now scheduled for Mon

 

Any input please for my case to present to the judge giving multiple reasons why this C/o should not happen-- then please provide your input-- it would be appreciated!!

 

Or as i have stated- free solicitors anyone??

Any feeling that I`ve helped you today- then add to my reputation and click those scales!

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I've read the history of your case with interest. As I fear I am starting on the same path, although not as far as CCJ yet. I have just received a similar CCA from ARC chasing an Egg debt. I am grateful for the leg work already done and hope I can put it to good use.

Good luck with your case.

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Many solicitors will give a free initial consultation, so you might try that route.

 

Was there a good reason not to attend the hearing? As I'm on my lunchbreak I don't have time to read the whole thread. What kind of things have you come up with so far? If I can see what you're aiming at it's easier to give a useful reply.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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