Jump to content


  • Tweets

  • Posts

    • That is a big improvement Dave and I do agree that it s best to leave it till the last moment to prevent VCS from countering your WS. [usually using doubtful logic that can't be easily argued against in a Court atmosphere] However my first post [no. 32] about the contract is the one that really exposes Jake's flummery and calls into  question jost how close he comes to committing perjury. And that is what hopefully VCS will not want questioned by a Judge. 
    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (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; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

1st Credit CCJ/CO On old MBNA Abbey Credit Card - set aside?


tifo
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4076 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Jackarl

 

I've just been contacted by this org under the same circumstances as you - they bought my debt off Nrthern Rock. I'm starting a thread 'as they seem particularly agressive' and I think i'll need some help in sorting them out.

 

MAC

Hi there,

1st Credit bought my debt off Northern Rock.They have issued me with a Sheriff Court summons. I have been paying this debt back for over six years with a DMP and never missed payments.

The original default with Northern Rock was in 2000, and 1st Credit have stated I defaulted again in 2003 when they bought the debt.

The sum involved is £4,400.

1) Can I do anything about the Sheriff Court summons (URGENT)

2) Can 1st Credit say I have defaulted on a debt that was defaulted with Northern Rock

Link to post
Share on other sites

  • Replies 90
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

What does the court summons state?

 

Was the original Northern Rock account a loan, a credit card or something else?

 

Do you know if there are charges on the account? If so, do you have any idea how much these might be?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Have you ever received a Notice of Assignment from 1st credit?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Hi Rory,

The original account with Northern Rock was a personal loan taken out on September 1999 for £6000 plus credit charge of £1654.80 and was a joint application with my wife.

The INITIAL WRIT states that I (The Defender) has refused or at least delayed to make payment of the said sum of £4438.76.

There is a form 03(application for time to pay direction) which has to be returned within 21 days of 28th August 2007.

I have been paying instalments to this debt using a DMP since 2000, the first payments were to Eversheds Solicitors then in Sept 2003 the payments were redirected to Northern Rock the payments were redirected again to 1st Credit in 2005. I cannot understand why 1st Credits lawyers (Yuill+Kyle) are being so aggressive.

My credit file states the Account type as 'Communications'

Default balance of £5,406

Current balance £4,439

Defaulted on 24/11/2003

I am checking if I received a Notice of Assignment from 1st Credit.

Is this important?

Thanks for your help

Foggieloon

Link to post
Share on other sites

  • 4 months later...

I've had a few CCJ's a few years ago and then no CCA compliance now but i've been told that once you get a CCJ the debt is enforced and i can do nothing to have it set aside, though one of the acceptable reasons is that 'i agreed with the amount at the time but do not do so now'.

 

I have 3 CCJ's.

 

One with 1st Credit from 2 years ago and they have a charge on my property.

 

Second one with Hillesden from almost 3 years ago and they have not fully complied with my CCA request but i am paying the agreed amount.

 

Third one with HSBC from 2 years ago and last year they sold the debt to a DCA after i requested charges back, so technically i don't owe the bank the CCJ they got for me. Now they've admitted no agreement as it was a personal current account but their POC at the time stated 'credit agreement regulated by the CCA 1974'. I was paying a DCA for a while until i made a CCA request to them and they sent it back to HSBC, who did not ask for anything.

 

1st Credit have said they won't enforce the debt until they comply with my CCA request, but then they have a CCJ and a charge on the property, so how can i handle this? It's been 2 years since CCJ and 1 year since CCA request and they've sent nothing. Also, they've never accepted my offer of payment and not asked me to pay anything to them after the CCJ.

 

Any advice would be appreciated as i was told before that nothing can be done now but am reading of members who have successfully had a CCJ set aside after CCA non compliance, even after many years.

Link to post
Share on other sites

You're into new and deep waters here...

 

The principle of res judicata (sic?) means "the court has had a look at this already and made a decision - so why look again?". You'd get a fresh look at it if there special reasons - but not if it was you not liking the decision some time after. But I'll quite happily stand to be corrected.

 

But, there is some hope. You might have to go back to the Court under S142 and get that CCJ overturned "by the back door". That section can be used to set out the rights of the parties in CCA's - which might mean that 1st credit have no rights.

Link to post
Share on other sites

But, there is some hope. You might have to go back to the Court under S142 and get that CCJ overturned "by the back door". That section can be used to set out the rights of the parties in CCA's - which might mean that 1st credit have no rights.

 

Sounds good. I'll have a look at s.142 ...

 

142 Power to declare rights of parties

 

(1) Where under any provision of this Act a thing can be done by a creditor or owner on an enforcement order only, and either—

 

(a) the court dismisses (except on technical grounds only) an application for an enforcement order, or

 

(b) where no such application has been made or such an application has been dismissed on technical grounds only, an interested party applies to the court for a declaration under this subsection,

 

the court may if it thinks just make a declaration that the creditor or owner is not entitled to do that thing, and thereafter no application for an enforcement order in respect of it shall be entertained.

 

(2) Where—

 

(a) a regulated agreement or linked transaction is cancelled under section 69(1), or becomes subject to section 69(2), or

 

(b) a regulated agreement is terminated under section 91, and an interested party applies to the court for a declaration under this subsection, the court may make a declaration to that effect.

Link to post
Share on other sites

Letter from 1st Credit rec'd today.

 

Stating they confirm they have a final charging order against my property, that they are disappointed i have failed to put forward and maintain a payment proposal (i offered and they've always refused, even at court and later through their solicitors) and that they they have instructed their solicitors LCS to take appropriate steps to obtain payment of the judgement debt. This could include possession and sale of the property.

 

To avoid action please call 0870 xxx xxx within 7 days.

 

They also state as i am a home owner, LCS can introduce me to Black and White who are an award winning company and can help me raise finance to clear my debts.

 

What course of action can i take as they have not been in contact since accepting they have received my s.78 request and will ask for payment only when they comply.

 

Shall i use this letter to ask for a set aside of the CCJ and Charging Order, based on their s.78 non compliance and the debt amount including penalty charges of approx £1200 plus charges by 1st Credit. They haven't sent me a full statement yet, despite asking as part of my s.78 request. The CCJ is for £4,400.

Link to post
Share on other sites

Good luck on this Tifo...i'll be watching this with interest....I did see a thread by Joshua in the CABOT forum and he got his thrown out for I believe the same reasons as you....here it is.

 

http://www.consumeractiongroup.co.uk/forum/cabot/127800-some-good-news-share.html

 

Also interesting to see them offering black and white....

 

2.6 of the OFT's guidance on debt collection says...

 

b. pressurising debtors to sell property, to raise funds by further

borrowing or to extend their borrowing

Link to post
Share on other sites

Also interesting to see them offering black and white....

 

2.6 of the OFT's guidance on debt collection says...

 

b. pressurising debtors to sell property, to raise funds by further

borrowing or to extend their borrowing

 

Yes, i've seen Josh's thread but despite PM'ing him for the letters etc he used, i still haven't got anything.

 

Can i use this against 1st Credit as they've said previously they'll ask for payment when they comply with my s.78 request, and that was 1 year ago. Now they're chasing it again and offering to get me another loan, which will obviously be high interest and probably secured.

 

The letters seems to 'imply' to get a secured loan and pay us back or we'll possess and sell your property, or that's how i should report it.

"bad credit loans, mortgages and secured loans - blackandwhite.co.uk"

Link to post
Share on other sites

this is interesting, this is who 1st Credit want me to use :-

 

Mortgage brokers operating below standards, financial firms failing to meet its website standards and the onsite visit to Black & White summed up the working week for the FSA.

The industry is right to be worried about increased regulatory presence and pressure, especially in a climate that unfortunately, is likely to see the industry end on a low note. For Thomas Reeh, chief executive of Black & White, last week's visit came as a shock and he was quick to inform the media he was being cooperative with the FSA. But the sight of police overseeing the removal of case files would concern any boss. Reeh speculated his business could be the victim of a malicious tip-off from a disgruntled member of staff, after Black & White was recently forced to make 25% of its workforce redundant. Does this mean the long list of other firms making redundancies should be concerned? Will the sight of police officers entering mortgage firms' premises become the norm in the industry? That is certainly an image the market does not need, now or ever.

Link to post
Share on other sites

complain to OFT and FSA regarding this loan selling tactic?

 

if they take me to court then i have no choice but to apply for a set aside of the CCJ and Charging Order but they're not likely to possess my house and sell it for a £3k loan, are they? I've been told they shouldn't have got an order in the first place for an amount below £5k.

Link to post
Share on other sites

They are trying to make me bankrupt for a claimed £4k !!!

 

So they might try with my £3k (after charges are taken off)?

 

With family and kids and a house worth over £220k, i don't think they'll get it especially since they've never accepted a payment proposal directly, through a debt advisor and throug the court. I think that shows them being very unreasonable.

Link to post
Share on other sites

Hi tifo,

 

CCJ's are notoriously difficult to get set aside and even more difficult where there is a final CO on the property

 

I will ask a person who i know , has a great deal of knowledge in charging orders ,to look in and offer some advice as this is one area that i do not know much about , although i am reading up on it

 

Regards

paul

Link to post
Share on other sites

complain to OFT and FSA regarding this loan selling tactic?

 

yes, certainly

 

if they take me to court then i have no choice but to apply for a set aside of the CCJ and Charging Order but they're not likely to possess my house and sell it for a £3k loan, are they? I've been told they shouldn't have got an order in the first place for an amount below £5k.

 

You can certainly try for the set aside as you have a reasonable defence, my only concern is that you should have applied for the set aside 'promptly' and a DJ might turn you down.

 

As an alternative you could apply to vary the terms of the CO so that no order for sale could be made so long as you keep up with an instalment order.

Link to post
Share on other sites

You can certainly try for the set aside as you have a reasonable defence, my only concern is that you should have applied for the set aside 'promptly' and a DJ might turn you down.

 

As an alternative you could apply to vary the terms of the CO so that no order for sale could be made so long as you keep up with an instalment order.

 

How can i apply to have the CCJ set aside, as in the past i have always been told that once accepted and granted, it is impossible to remove, even though one of the valid reasons is that now you do not agree with the amount since the discovery of unlawful penalty charges.

 

How does their s.78 non-compliance come into it as it states they cannot enforce while in default and offence, and they have stated in writing that they will 'ask their client as per my request' and when they send the documents to me they will then expect full payment.

 

There has never been a payment agreement with them as they've never accepted my offer through a debt advisor and the court. At the CO hearing, the agenda was first my payment proposal and then their application. Their rep stated he was there only for the CO and could not discuss payment arrangement, judge said OK, here is the final CO. After that i offered an amount again through their solicitor but they refused and wanted more than i could afford. Then they left it and haven't chased it up in 2.5 years until now. CCJ was in 2005, CO in 2006 i think.

Link to post
Share on other sites

A sneaky idea Tifo....keep us posted, (but don't sign the CCA !!!) ;)

 

I have no intention of getting the secured loan at a eye watering rate to pay off something which should be unenforceable (just a small matter of that CCJ!). I just want the quotation with all the figures etc.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...