5 year old "fine"

KeithP

FlatTyre said:

I now received a Claim Form from the Civil National Business Centre.

What is the Issue Date on your Claim Form?

Coupon-mad

FlatTyre said:

I now received a Claim Form from the Civil National Business Centre. It gives 3 options: Pay, partially challenge, or fully challenge. And if the challenge is unsuccessful that would be recorded on the credit history.

It certainly does not say that.

Obviously people who lose at a hearing do not just get their credit rating trashed with a CCJ otherwise the system would be a booby trap. We wouldn't be telling people to defend every  day, ad infinitum, yadda yadda, if that was true!  Of course in (rare) cases lost, people just pay and nobody is left with any effect on their credit history. Nothing is risked.

Just use the Template Defence as you see in all the other DCB Legal claims at the moment.

We have 2 or 3 exact match threads like yours each day, so go back and scroll through the forum to read a good half dozen or more. Learn how people worded their paragraph 3. Copy!

Very easy to see these claims off. No hearing needed. DCB Legal will discontinue in 2025. 

Grizebeck

I wish people would not state things which are quite blatantly untrue 

FlatTyre

Coupon-mad said:

FlatTyre said:

I now received a Claim Form from the Civil National Business Centre. It gives 3 options: Pay, partially challenge, or fully challenge. And if the challenge is unsuccessful that would be recorded on the credit history.

It certainly does not say that.

Well, I did not invent it. I read the paper. Here is what it says:

FlatTyre

KeithP said:

FlatTyre said:

I now received a Claim Form from the Civil National Business Centre.

What is the Issue Date on your Claim Form?

10th of September. It came while I was overseas. That makes the service day September the 15th and the deadline is September the 29th.

Gr1pr

FlatTyre said:

KeithP said:

FlatTyre said:

I now received a Claim Form from the Civil National Business Centre.

What is the Issue Date on your Claim Form?

10th of September. It came while I was overseas. That makes the service day September the 15th and the deadline is September the 29th.

The deadline is 2 weeks later if your AOS is done online this week, so October 

FlatTyre

I have submitted my AOS as per the Newbies guide. I am now working on my defense and I noticed that the guides refer to emailing the document. I noticed that MCOL website has a button to "Start Defense". Which way shall I go?

As per Newbies steps, I also read the template on the thread "Template defence to adapt for all parking cases with added 'admin/DRA' costs - edited in 2024". The example given sounds sophisticated and smells of law knowledge. Can mine be simpler than that? Basic defense lines are:

- I cannot remember a thing about this pcn or anything else 5 years ago (Got Covid a few times since 2019)

- 5 years later I randomly got asked to pay for something without the right to challenge (DBL actually said that in their letter).

- Went to Waitrose and they said they couldn't do much about it, BUT were surprised and to their word "there must be a mistake"

- I cannot find phone logs or car history or older bank details 5 years later to see if I was in that store. I use both card and cash when shopping. I don't even own that car anymore.

- This is a malicious attempt to win money using older dates because they know people don't hold data or remember things for 5 years. 

- What is stopping them for issuing me one or more PCNs every year to round their budget?

Thoughts please.

Gr1pr

Its emailed as a PDF attachment, as per the guidance here 

Do not post, do not use the start defence on MCOL. ( Note,  No S in Defence. )

Stick to the defence template by coupon mad 

The case of Henderson versus Henderson stops multiple repeat claims, should be one claim form for all outstanding invoices, known as cause of action estoppel 

KeithP will likely give you further guidance regarding MCOL 

KeithP

FlatTyre said:

KeithP said:

FlatTyre said:

I now received a Claim Form from the Civil National Business Centre.

What is the Issue Date on your Claim Form?

10th of September. It came while I was overseas. That makes the service day September the 15th and the deadline is September the 29th.

FlatTyre said:

I have submitted my AOS as per the Newbies guide.

With a Claim Issue Date of 10th September, and having filed an Acknowledgment of Service in a timely manner, you have until 4pm on Monday 14th October 2024 to file a Defence.

That's over two weeks away. Plenty of time to produce a Defence but please don't leave it to the last minute.

To create a Defence, and then file a Defence by email, look at the second post in the NEWBIES thread.

Don't miss the deadline for filing a Defence.

Do not try and file a Defence via the MoneyClaimOnline website. Once an Acknowledgment of Service has been filed, the MCOL website should be treated as 'read only'.

Money_and_Travel

Isn't it Statute Barred by now?