What does the judgement say about interest and charges. Fact Sheet - Interest on a county court judgment (CCJ) | National Debtline | National Debtline WWW.NATIONALDEBTLINE.ORG As it is secured I would get some professional help, CAB or one of the Church Debt Groups.

FTM Dave.Thanks SAR sent today. Thanks in advance.

We have copies of the letters x 3 sent to the debt collectors. No copies of the document returned originally. Part of our years is spent in Spain, we think some documents are there. But not back until July. No certificate of posting - well not on the early documents Waiting for their witness statement to determine the original claims and letters, but nothing so far since the acceptence of mediation - which now seems like a bad idea.

Ok, thank you for you help on this one. I will look out the original papers - some time ago so not sure. But as you say, they will duplicate them in the witness statement. Richard

DX no not yet.

That is how it seems to me. I'll be honest, I am surprised they have not responded to it or the offer made. But fully understand that these are not 'normal' businesses, neither does it seem are the solicitors involved with these cases.

Have agreed mediation. Hence the offer. Now waiting for the court I assume.

I do have part of the file, usually debt collector letters. Thought, notification it was the right thing to do. There were at least two insured drivers at the time. In all fairness the amount of time it has taken so far, were happy to settle. So offered that at after, initial court notice. And we always understood there would be keeper liability - irrespective. Driver was notified to them on their initial notice, no reason not to. Ignored completely by them as you can see. SAR sent quite early on. Not once have they replied positively to the notification, or it would have been paid. Assumed that they had dropped it, originally dates back to July 2019 - ticket left on windscreen. We were all back and forth from Spain at the time and the car is shared. Once papers have been sent it was forgotten. I'll have to see what documents are available - I have recent ones digitally. Have agreed mediation but not sure what that that will solve. Their solicitor has refused £60 in favour of the full amount under the money claim.

FTM Dave - thanks - bit harsh, but of course accepted. Not my field. Just wanted to get the points out. No copies of letters, seem to think that the original notification letter (PCN) was returned naming the driver and not a letter. But here are the follow ups. I am not around now until this evening but will respond then if you need any more. ZZPS Limited December 2020 - Google Docs.pdf

Well that was my original question about CPR 31... SAR was done early on in the process- no reply. Meanwhile, there was me thinking it made sense.

We don't have any original documents, or original PCN nor has claimant replied to SAR or provided any further evidence. This is a copy of what has been submitted so far and we have responded in full and sent separate letters accepting some liability, understand that this is under the POFA rules. . DCB Legal May 2022 letter - Google Docs.pdf

That made me smile. No, to them directly in order to get it off my desk - well and to see if they would show their hand in some way. I will get the 'filed defense redacted later on today.

No link, can't seem to find it. Thank you.

I didn't want to give away more information than is required. I am part way through one of these, having filed a defence, made an offer in settlement in order to avoid further action and in an attempt to settle as keeper. Should I bother with a CPR 31.14 Request at this time or wait for some directions from the Court? Any suggestions would be most welcome. Thank you in advance.

For sure, just thought it may be easier - no problem. Thank you.

Court case with UK CPM and Gladestones Solicitor what do I do? - Private Land Parking Enforcement - Consumer Action Group I am part way through one of these, having filed a defence. Should I bother with a CPR 31.14 Request at this time or wait for some directions from the Court. The driver has been identified, but ignored by them. We have offered a settlement as 'keeper liability' only but this has been declined. An update on this would also be interesting. Thanks in advance.

Executors and trustees - are those appointed to 'execute the wishes' of the deceased. The trustees 'hold the assets of the deceased on trust - whilst they distribute the estate to the beneficiaries who are the final recipients of x or y. Clause a applies - pay the bills. Clause b doesn't as she is deceased. Clause c - it belongs to Flora. There is no gift to Fred, he is only a trustee. Deed of variation is the only way out, providing all beneficiary's agree and are able to agree (mental capacity).

Good morning. Couple of things here. 1. Kwik Fits own MOT inspection revealed that the tyres were in line with motoring law and the Government guidelines - the previous tyres obviously me with all standards for safety and the law. 2. Kwik fit obviously apply a 'best practice' standard which is clearly higher than the legal requirement and indeed makes sense. The law is of course a minimum legal requirement and of course to be well above the law and to make sure you are safer than just safe makes sense for those that understand these things. Were the removed items offered back to your mother. The return of parts of is a default option in order to provide the chance of second inspection and to allow the risk of independent inspection - therefore making sure that only parts that needed replacement were actually replaced.It is still common practice, not sure about KF it does sound like your mother was put under a good deal of pressure, something that all Kwik Fit staff are trained to do - sell/upsell I was one of the first managers to go through their new training programme as a manager (1980 - 81) having previously worked for Euro Exhaust - and having never used once since, nor would I. I would be inclined to ask them for the evidence that these tyres needed replacing, ask them why it was not explained about their own higher standards for tyres, and put it to them that they have taken advantage of an elderly member of the public but don't threaten anything. All of this is pointing to an oversell to an elderly woman - an easy mark in my opinion. There is also the issue of their own guidance- they recommend inspection at least every five years! From their website. How long do tyres last? There is no standard rule for how long tyres should last before they need replacing. Generally, it is recommended that front tyres should last for approximately 20,000 miles and rear tyres should last 40,000. However, many factors influence the rate at which tyres degrade; including driving conditions, weight carried, and driving habits. Fast driving and harsh weather conditions can lead your tyres to deteriorate much faster. At Kwik Fit, we recommend that you have your tyres professionally checked at least once every 5 years. If you think your tyres are getting close to needing replacements , or even just for peace of mind, why not bring your tyres in to Kwik Fit for a free tyre check." I hope that helps.

I don't have time for a full response this evening. Kwik Fit are clearly not stating that correctly. The guidance is clear and here. I assume I can post a link to the Gov Guidance https://www.gov.uk/guidance/mot-inspection-manual-for-private-passenger-and-light-commercial-vehicles/5-axles-wheels-tyres-and-suspension#section-5-2-3 Perhaps they are in breach of not doing the mot correctly or in breach of not saying that 'the replacement' is advisory by our standards just not by the less stringent Government guidelines. I'd be asking for a refund. Definitely is a funny word. Wonder why calls are recorded? Perhaps they've had problems before.

I worked for Kwik Fit many years back. Does not surprise me. Neighbour of mine, also female was also convinced to spend money she didn't need. Husband went back and got a full refund. It's not subjective with tyres. MOT would have covered the age and replacement issue. Or as is the case didn't.

Had a client with a similar problem. I have written to the debt collector asking for the later default to be removed. Default should be within three months of the first date of non payment. My understanding is that only the original creditor can place a default on file. No reply from them yet.

Firstly drop them a line -post it, take a copy first. Write out by hand if ness... Dear Sirs. MoorCroft Reference Due to my present situation and the illness of my partner I am struggling to cope with your constant calls. I can now only deal with this matter in writing. Please cease all calls with immediate effect. Given my present circumstances I am only in a position to make a token payment of £1 per month towards this debt, this will be paid by standing order. Please send me your bank details. I hope to be able to engage with you some more once my stress levels have reduced. Yours faithfully. xxxxx Then block them on your mobile/landline (if possible). You don't have to feel stressed by this people. Provided the debt is legitimate and not a 'bum biting debt' then the token payment will work - but don't let them bully you. More information below (sorry CA - couldn't find your link). Harassment by creditors WWW.CITIZENSADVICE.ORG.UK How creditors are supposed to behave when they are trying to recover their money, what kind of behaviour is not acceptable and how to tell if you are...

Couple of things. 1. treat all creditors equally if you are in a debt mess. 2. If money is tight, offer a token payment only - £1 per month until things get better. 3. Only deal with debt collectors in writing. Make them write to you and you write back, no phone, no email. These things will create a breathing space for you. If you have not not yet created a priority debt list yet do so. Bite your on the bum debt - needs to be deal with first - mortgage/rent council tax, inland revenue all need to be dealt with before credit debt.

Ok no pms. Was not trying to flout rules. For sure, add in the last year amount that was ommited and drop a note in. Just be honest. You should be able to get this keyed in now. If you don't have access to the revenue site, I'd get a shimmy on.

Oh. I don't understand the indemnity. If it was a business expense that has come back and it was an expense last year than it needs to be entered in back on the income side.