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    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
    • Hi. Please don't follow McD's advice to contact Met to appeal. They won't listen and you could end up giving them helpful information. HB
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Parked at a dropped footway [Code: 27]


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I had a ticket on my windscreen of my vehicle on 12/07/08 whilst I was a work for being parked at a dropped footway, Contravention Code 27

 

Where I was parked was an entrance/exit for a private car park but it had metal posts concreted into the entrance so in otherwords it was unused

 

There were double yellow lines on the road but not within the bit where my car was parked, there is also no signs up around the area where I had parked

 

There were yellow dropped curbs that cross the area where my car was parked

 

The ticket states that my Tax disk was obscured when I know that to be false as I have one of them aluminium holder fixed to the lower nearsisde part of my windscreen, (the correct place for tax disks)

 

Have I got any grounds as with regards to no signs being in the area, or my ticket saying my tax was obscured?

 

I was thinking if they have photos of my vehicle as they always take photos then there would be a conflict between my vehicle and the ticket as in the photo my tax would be clearly displayed

 

This is a £120 fine, or £60 payable within 14 days and printed out on by computer from Barking & Dagenham Council

 

Thanks for you help if you are able to offer some advice (except do not park there again)

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You can only park across a drop kerb if loading or with the permission of the landowner/occupier of property the crossover leads to. The CEO will record your serial number off the tax disc not the disc itself so it may be a case of the holder was obscuring the serial number (at the top of disc) having said that the tax disc is not really relevant these days as photos are usually taken as additional proof it was your car.

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there are other exemptions rather than the ones G&M chose to "only" include.

have a look at

Traffic Management Act 2004 (c. 18) - Statute Law Database

 

Only (true meaning of "only" this time) you know the full circumstances and whether any of these other exemption apply in your case. I suggest you read S86 of the Act linked above in case any of them do

.

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I wouldn't give up just yet. You said the posts were concreted so you have nothing to lose, so why not write a letter making informal representations pointing this out. By making the informal reps the local authority will usually extend the time you have to settle at the reduced figure.I would also suggest you got to pepipoo.com and post in their parking section on this one as well. You don't have to listen to posters like Green and Mean (the champion of the local authorities).

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Thanks but ive already paid it now, but I cant see how the posts will be able to negate the fact I was still parked across a dropped footway, I knew I was in the wrong to start with but it was worth a try to look into it.

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If the posts had were permanent and meant that the dropped footway could not be used then that would be a point worth taking up, but it is moot as you have decided to pay.

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If the posts had were permanent and meant that the dropped footway could not be used then that would be a point worth taking up, but it is moot as you have decided to pay.

 

What the crossover owner does with the access is not relevant as far as the contravention is concerned and would not be grounds for appeal unless the drop kerb had been revoked.

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What the crossover owner does with the access is not relevant as far as the contravention is concerned and would not be grounds for appeal unless the drop kerb had been revoked.

 

In your opinion of course:rolleyes:

 

Wouldn't the cross over owner in this instance be the local authority? And if the crossover is no longer in use why should it be enforced? Surely the local authority should be revoking it as soon as it's status changes, rather than leaving it and allowing their CEOs to rack up additional revenue.

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In your opinion of course:rolleyes:

 

Wouldn't the cross over owner in this instance be the local authority? And if the crossover is no longer in use why should it be enforced? Surely the local authority should be revoking it as soon as it's status changes, rather than leaving it and allowing their CEOs to rack up additional revenue.

 

Its not my 'opinion' its the law. I could put posts across my drive and then still drive my motorcycle in and out. You can also get steel posts that can be removed to allow access. It is not for the driver to decide if the drive is used or not as far as the law is concerned. The owner of the 'private' car park would be the only person who could give permission to park. My neighbours garage is covered with ivy and never used as he does not have a car but it would not give me a legal right to park across his drive.

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  • 1 year later...

I have been given a fine of £120 for parking outside Youngs Chineese in Barking on a double yellow, fair enough I deserved it, what I am baffled with is that I too like you have been slapped with a fine for having an obscured tax disc. I pay my car tax regularly why on earth would I want to obscure it, like you my car was parked in Barking I think its terrible, I have sent an email challenging their decision to give me a fine for an obscured tax disc which is showing the reg number the date it runs out, I just dont understand I can understand if the tax disc was obscured from inside by myself but it isnt.:-x

I have been told that even the police dont fine you for obscured tax discs I have asked them to produce a photograph so I can see where it was obscured.

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I have been given a fine of £120 for parking outside Youngs Chineese in Barking on a double yellow, fair enough I deserved it, what I am baffled with is that I too like you have been slapped with a fine for having an obscured tax disc. I pay my car tax regularly why on earth would I want to obscure it, like you my car was parked in Barking I think its terrible, I have sent an email challenging their decision to give me a fine for an obscured tax disc which is showing the reg number the date it runs out, I just dont understand I can understand if the tax disc was obscured from inside by myself but it isnt.:-x

I have been told that even the police dont fine you for obscured tax discs I have asked them to produce a photograph so I can see where it was obscured.

 

You said the fine was for parking on double yellow lines where did you get the fine for obscured tax?

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I suspect that what has happened is that where the CEO was expected to key in tax disc details they have keyed in "obscured" or similar and that is what is causing the confusion.

********************************************

Nothing in this post constitutes "advice" which I may not, in any event, be qualified to provide.

The only interpretation permitted on this post (or any others I may have made) is that this is what I would personally consider doing in the circumstances discussed. Each and every reader of this post or any other I may have made must take responsibility for forming their own view and making their own decision.

I receive an unwieldy number of private messages. I am happy to respond to messages posted on open forum but am unable to respond to private messages, seeking advice, when the substance of that message should properly be on the open forum.

Many thanks for your assistance and understanding on this.

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I suspect that what has happened is that where the CEO was expected to key in tax disc details they have keyed in "obscured" or similar and that is what is causing the confusion.

 

Agreed.......hardly confusing though unless he also thinks the PCN is for having a 'Blue Ford' or whatever is stated on the PCN. :)

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reply to green and mean, I got the ticket for being parked on a double yellow line and on the same ticket he did me for having an obscured tax disc as well, which is total rubbish, my tax is within date and the description silver grand cherokee is clearly stated on the tax disc which is what my car is.

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Can you stick a copy of the penalty charge up here (blank out identifying info) and someone will confirm exactly what the fine is for.

 

Your statement "I have sent an email challenging their decision to give me a fine for an obscured tax disc which is showing the reg number the date it runs out" suggests it was partly obscured, and you know which bits of it were showing. Is this the case? (You can tell us!!)

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