Author Topic: Debt Collector chase after N244  (Read 4586 times)

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Re: Debt Collector chase after N244
« Reply #30 on: »
They think they are right, I think they are wrong. It is what it is now. I just wanted advice.

Thanks for the advice given to date. It's not easy.

It is easy, you are making it difficult. Sorry, so pl just take a deep breath.

At present this matter is procedural, pure and simple.

A claim was issued by CNBC which you did not acknowledge, something which recipients must do within a time period specified in the form otherwise risk judgment being awarded against them in default on application of the claimant.

Simple process.

Your response is equally simple: apply to the court to have the judgment set aside because you did not receive the claim.

There is no THEY in this, the matter is between you and the court because THEY didn't send the claim to you, the court did!

Edit - remember, the judge in this court is not going to determine the rights and wrongs of your substantive defence against the claim, that's for another court. So 'Now the court have accepted that and said it will be handled by Chelmsford court.' is not correct as you think, IMO it will determine the procedural issue only.
« Last Edit: December 01, 2024, 06:57:41 pm by H C Andersen »

Re: Debt Collector chase after N244
« Reply #31 on: »
I'll stop posting now but I'll make it clear for the last time. I did not receive a Letter of Claim. I was advised by this forum to contact CNBC which I am still trying to do. I'm trying my best and I'll go to court if I have to. I applied the N244 because it was my ONLY option at the time. It cost me £308 which I can't afford. But I can't afford a CCJ.

My original post was simple to me but never answered. My accusers asking me for evidence after they instigated court proceedings. Should I respond?

Never mind. Thanks

Re: Debt Collector chase after N244
« Reply #32 on: »
Of course it is not easy. We are trying to help but you entered this process and submitted the N244 before we were able to advise. What is done is done.

However, we are trying to assist you now but we are on the back foot until we know precisely what the PoC of the original claim were and which address was used for the claim, which you say you never received. Once we know the PoC and if an incorrect address was used, we can then put together a suitable Skeleton argument and even a Supplementary Witness Statement (SWS) that you can send to the court where the hearing is to take place so that your N244 application is up to strength and has all the necessary legal argument that is the only thing that the judge will consider.

We want you to beat this injustice but you really must help us to help you. Get on to the CNBC at 8:30 am in order to reduce the time you have to hold for them.
Never argue with stupid people. They will drag you down to their level and then beat you with experience” - Mark Twain

Re: Debt Collector chase after N244
« Reply #33 on: »
I've spent three hours on Thursday and Friday without getting a response from CNBC but I'll try again tomorrow
This is, sadly, not unusual, and a symptom of the over-burdened and under-resourced court system. There isn't anything we can do about the difficulty in reaching the CNBC, other than to tell you to keep trying.

My original post was simple to me but never answered.
The reason your original post was not answered directly was because it did not provide the requisite background information for us to be able to answer it properly. Once that information was provided, the focus then moved to providing advice that would yield you the best possible chance of a successful outcome.

This was probably done on the well-meaning assumption that most people who come here to seek advice do so hoping to secure a positive outcome, rather than simply wanting their specific question answering without consideration to their overall case.

We aren't your adversaries in this situation - we're the ones trying to get you a positive outcome.

Re: Debt Collector chase after N244
« Reply #34 on: »
OP, no-one is doubting that you did not receive the claim, but what we think isn't germane, neither is repeating it here. Sorry, but this is about procedure.

You are going to court to convince a judge. You 'opponents' if any are ..the court, in the form of CNBC, and Royal Mail and the law which presumes service of a document properly addressed etc. etc.

We must be clear, is your application being heard on the papers or is it a personal hearing?

The overriding objective is fairness and you need to stress how unfair it would be to not be able to defend their claim given the strength of your case which you've summarised in your application....and if in person stress the sorry if not clear, you're a novice etc. etc. card! Also, that you've not avoided contact with the creditor as your exchange of correspondence going back ** years shows, including responding to their Letter of Claim..

Re: Debt Collector chase after N244
« Reply #35 on: »
Finally got through to CNBC who gave no information other than to say it was posted first class (not recorded)on 28 August. I never received that.

However, DCBL were far more forthcoming and provided the attached along with a message that said "for the avoidance of doubt, it remains our client's position that the claim was served to your last known address pursuant to CPR 6.9 and as there was no response to the Claim Form Judgment in default was accepted".

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Re: Debt Collector chase after N244
« Reply #36 on: »
So to summarise.

In carpark at 11.26
Paid one hour 11.31
Extended 2 hours 12.31
Exited carpark 14.38

That's 7 mins over. Is there not some sort of leeway in the UK on timings at all? Thought you had a few mins grace?

Re: Debt Collector chase after N244
« Reply #37 on: »
Please answer the relevant questions which you seem either reluctant to do or are not paying attention! What address was the claim sent to? An old address where you no longer resided at the time or your current address?

All the other detail is irrelevant at this stage.
Never argue with stupid people. They will drag you down to their level and then beat you with experience” - Mark Twain

Re: Debt Collector chase after N244
« Reply #38 on: »
The address on the form is my address.

Re: Debt Collector chase after N244
« Reply #39 on: »
So, are you saying that you never received it? Are you saying that you never received a Letter of Claim (LoC) from the claimant through their solicitor, DCB Legal?

If the answer to both those questions is “yes” then you are going to have to convince the court that you did not receive two letters that were sent from separate entities. From one, maybe. However, on the balance of probabilities, that is unlikely.
Never argue with stupid people. They will drag you down to their level and then beat you with experience” - Mark Twain

Re: Debt Collector chase after N244
« Reply #40 on: »
Yes and Yes

Re: Debt Collector chase after N244
« Reply #41 on: »
So, just to confirm... you never received a Letter of Claim from the claimant issued through DCB Legal and you also never received an N1SDT Claim Form issued by DCB Legal through the Civil National Business Centre (CNBC)?

Anyone else think that this may be a bit of an uphill struggle? I hope that the court can be persuaded to set aside anyway, in the interest of the Overriding Objective. A Skeleton Argument citing VCS v Carr which is due to be heard as a second appeal may be worthwhile, just in case anyone is not familiar with this:

https://www.dropbox.com/scl/fi/ob8hw1062bdaiw8ine4u8/VCS-v-Carr.pdf?rlkey=m33wuz8wjogdz13mbisu69ziy&st=8f2kfarl&dl=0
Never argue with stupid people. They will drag you down to their level and then beat you with experience” - Mark Twain

Re: Debt Collector chase after N244
« Reply #42 on: »
Quote
Anyone else think that this may be a bit of an uphill struggle?
Potentially - 'judge bingo' might need to play a part. I can certainly see why a judge might take some convincing that whilst all prior correspondence was received, both the Letter of Claim and Claim Form did not arrive.

Quote
I hope that the court can be persuaded to set aside anyway, in the interest of the Overriding Objective
Hopefully.

Re: Debt Collector chase after N244
« Reply #43 on: »
I'll ask my judge tomorrow what their opinion is.
Never argue with stupid people. They will drag you down to their level and then beat you with experience” - Mark Twain

Re: Debt Collector chase after N244
« Reply #44 on: »
To confirm, I never received The Letter of Claim OR The Claim Form in the post. The document I posted yesterday is the first time I've seen one of them. I've never seen the other.

This afternoon, received another chase for payment of debt from DCBL Legal. We already know this will be handled by the court when they determine a date.

I still have the evidence of the parking tickets themselves, which were attached to the N244 when I responded to the Judgement. I never intended NOT to pay for parking. I did pay. I have tried to engage Euro Parks and DCB over 30 times. Not sure why those two documents were never delivered, but they weren't. I will stand behind this all in court because I have no option. They are totally dismissive of anything I send. I just have to hope that a judge will see reason on the day. I have kept everything that has been sent and responded in over three years. Shows they are determined to chase small debt down.