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PPC situation

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  • Redx
    Redx Posts: 38,084 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    edited 3 January 2022 at 1:19PM
    The only other option apart from paying in full is plan A , a landowner cancellation , you don't get a dozen options , it's pay in full or fight , capitulation or confrontation ! Your choice

    If you read the what happens when , you would know that you give the court unavailability dates in the N180 DQ stage pdf form , so that means you exclude dates of holidays etc

    The claimant is in control at the moment , so you have been looking over your shoulder ever since the PCN date and will continue to do so until either a court hearing or 6 years have passed

    This is reality , they have you on the hook and you are wriggling , thrashing about , wondering about the situation , it's either be landed on the bank or throw off the hook , until then you are still on the line !

    It's not just you , thousands of people are hooked , if not millions , given these companies issue between 7 & 10 million PCN s per annum and the pandemic exacerbated the situation !

    Ideally you need the SAR reply plus the POC in order to fully draft your defence draft , you have neither , so do something else in life and come back to this thread when you have both in front of you !


  • Coupon-mad
    Coupon-mad Posts: 152,040 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 3 January 2022 at 4:03PM
    The lost case by Robert Cox was one of just a handful last year where people had followed all our advice from defence through to hearing but still lost.

    As rare as hen's teeth for this forum to see the odd lost case but it's going to happen occasionally, where a Judge decides that the signs are clear enough to form a contract.

    Remember we have court hearing and discontinuance outcomes posted here almost every weekday and hundreds win every year, hence our 99% win rate remaining intact since 2016 when we started reporting it.
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  • Le_Kirk
    Le_Kirk Posts: 24,588 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    ss123 said:
    Le_Kirk said:
    You can submit a SAR to get everything they have on you.  You can write to BW Legal telling them, that whilst you deny any debt exists, you are seeking debt advice and they must put the claim on hold for 30 days in line with the pre-action protocol for debt claims.  In the meantime, you can read the NEWBIE sticky second post, including the link to how to complete the AoS (for when the claim form arrives) and research the standard defence template which you will need if/when the claim form drops on your door mat. One of your defence points will be that the PDT was not working correctly and failed to record your full VRM.
    Hi @Le Kirk

    1) Happy '22. 2) Well BWL agreed to 30 days hold - more than a week after being emailed. I assume if they ask for an offer of repayment of the full balance, its a case of see you in court? 
    1) Thanks and to you.  2) That's up to you of course but the point of asking for a 30-day hold is for you to receive your data from the SAR and to start to prepare your defence in anticipation of receipt of a N1 claim form.
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