Jump to content


  • Tweets

  • Posts

    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Sheriff Officer trying to deliver papers - Walker Love


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3542 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

how about we get the op to post up the SD?

 

the thing is lowells are on a short wicket

 

theres lots of cases recent of them never having paperwork

so if this is the case and it'll be dropped

 

or its the use of the SD as debt collection tool. not allowed.

 

to the OP:

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

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

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

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

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

 

 

please I say again.

 

i'm not saying im correct

neither is this the advise from CAG or the siteteam

 

only going by MY experience of the recent 6yrs

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Replies 51
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Thanks for the advice folks and I understand the caveats attached.

 

Some more info:

 

The SD has a cover letter from BW which lays out all sorts of dire consequences if I am sequestrated (yawn). But it ends with a request to contact them as there is still time to come to an acceptable payment arrangement. I have no intention of doing this.

 

So perhaps they will not follow through but I am still inclined to deny and send them a prove it letter.

Do you think this would give them the impression that I have assets to protect if I did so?

 

If in the perhaps unlikely event that they raise proceedings will it not harm my case that I did not challenge the SD?

 

The way I was looking at it was if I deny or not, the next legal step they can take is sequestration,

so denial and a prove it letter at least gives them something to think about

and perhaps makes their life a bit more difficult and strings things out a bit longer?

 

Their SD and cover letter is dated 16th December and appears to me to be intentionally worded to confuse the reader

as to whether this is the date of service i.e. the 3 week clock starts ticking from this date.

I have the docquet signed by the SO from last Tuesday so don't need to worry on that score but seems a bit underhand

 

To consolidate my paranoia - on the Denial slip, the wording of the instruction is -

 

*Delete if applicable (3) and (4). Only delete (3) if you accept that you owe the whole of the sum demanded, but retain (4) if you are denying that you have to pay that sum immediately

 

OK - but what do I do if I deny owing them anything at all??

 

(3) That I owe you the sum demanded

(4) That I owe you the sum demanded immediately

 

There are no further options.

 

Logically deleting 3 and 4 doesn't seem right as it would appear to be a denial of nothing.

 

I certainly don't want to just delete 3 as I don't accept owing them any sum

 

Deleting 4 only seems suspiciously like it is intended to be interpreted as accepting liability for part of the debt. Or am I being paranoid?

 

Could anyone offer advice please?

 

In addition, there is also attached a page entitled "EXPLANATION OF DENIAL"

Subheaded - "If you deny the debt referred to in the attached Statutory Demand,

or any part thereof, please state your explanation for such denial in full:-"

 

Am I obliged to complete this?

 

I was thinking a simple "I do not acknowledge or recognise liability for any part of the sum quoted or any agreement claimed by the pursuer"

 

Might actually be useful to include this given my paranoia about the

"delete if applicable/not applicable" (delete if applicable itself is such a non-intuitive choice of words).

Information re the debt on the SD is listed as:

 

Original Creditor: LTSB

Account Agreement no: XXXXXXXXX

Agreement type: Unsecured loan

Default notice date: June 2010

Debt due: 23K

Notice of Assignment: July 2013

 

I'll try to scan to get you a better look

Edited by JimBrain
Link to post
Share on other sites

please scan up what you have received following the guide above.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

if you must send anything it should be a CCA request not the prove it letter

 

your ack time for the SD starts from the day the sheriff delivered it .

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

if you must send anything it should be a CCA request not the prove it letter

 

your ack time for the SD starts from the day the sheriff delivered it .

 

dx

 

Thanks dx. I got mixed up between the CCA request and prove it letter, I thought they were the same thing. Thanks for the link

 

It says that I should send to the OWNER of the debt so I should send to Lowell not BW Legal? I don't have any contact details for Lowell but I guess I might be able to find a contact on line.

Edited by JimBrain
Link to post
Share on other sites

BW legal is ok

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

correct.

 

keep off that phone

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 2 weeks later...

UPDATE

 

I received a letter from BW Legal on Monday 27th Jan (dated 23rd Jan).

 

I am going to send denial slip along with CCA request tomorrow by special delivery.

 

The SD states that BW have sole responsibility for the account and all communication should be addressed to them only.

Does this mean I should send the CCA letter to BW or Lowell, or even both?

 

The latest letter begins by stating I was personally served the SD on 14th Jan

then asks me to contact someone at their office to discuss the matter so a settlement can be reached.

 

It then says

 

"If we fail to receive a response from you by 4 February 2014, we will send a Sequestration Petition to Court to be issued"

 

The denial and CCA should prevent the immediate risk of this if not just stringing it out for a while.

 

It then says if a sequestration petition is issued a hearing date will be set,

I will be served with the petition and If I don't pay up or reach a settlement

"we may seek a sequestration order against you at the hearing"

 

It then goes on to outline what will happen to my finances if I'm sequestrated.

 

Then finishes with "In order to avoid us submitting a Sequestration Petition to Court,

please contact us before 4 February 2014 to arrange a payment solution"

 

My initial reaction was that they mean business here but on reading over a few times it says they WILL send a petition to court if I don't respond.

Clearly I am going to respond, just not in the way they would like.

 

There are three separate references to reaching a settlement arrangement

so perhaps they are not as keen to go to court as at first seems.

Or perhaps they are just being a caring sharing DCA

and offering to negotiate out of the kindness of their hearts.

 

PS - I am going to leave both options

"[i DENY]

(3) That I owe you the sum demanded &

(4) That I have to pay you the sum demanded immediately" intact on the denial slip.

 

I am still not 100% clear on the connotations

Edited by JimBrain
Link to post
Share on other sites

They included an "Explanation of denial" section on the denial slip.

I wrote a couple of sentences saying I have no knowledge of the terms

and no liability for the agreement quoted

and I have submitted a CCA request to the alleged creditor to confirm this.

 

Do you think this is a good idea or giving them something to twist

and I'd be better to ignore the explanation?

 

I've been advised that the explanation of denial is not a mandatory part of the denial.

Link to post
Share on other sites

it would be better if you scan up the stuff you have received

following the instructions previously posted first

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Hi jim,

 

Regarding the explanation of denial, you should fill in this slip simply saying that you ‘ deny the debt’ and send it to the creditor by Recorded Delivery within the 3 week period mentioned in paragraph 4 of the demand, this will render the demand almost useless.

 

The creditor will then have to take alternative action against you which will more than likely cause them too much grief and more expense which may put them off taking it any further.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Hi jim,

 

Regarding the explanation of denial, you should fill in this slip simply saying that you ‘ deny the debt’ and send it to the creditor by Recorded Delivery within the 3 week period mentioned in paragraph 4 of the demand, this will render the demand almost useless.

 

The creditor will then have to take alternative action against you which will more than likely cause them too much grief and more expense which may put them off taking it any further.

 

UPDATE

 

I returned the denial slip by special delivery on 30th January with a note in the explanation to say I do not acknowledge liability for the alleged debt and have requested they provide a valid credit agreement under CCA to confirm this. I left both 3 and 4 options intact (I deny that I owe you the sum demanded, I deny that I owe you the sum demanded immediately). In the same envelope I sent a CCA letter.

 

This was received and signed for at BW Legal on 31st January. I sent the documents to BW Legal marked Lowell Portfolio 1 c/o BW Legal.

 

This morning I got a letter through from BW Legal dated 4th February.

 

It says

 

"On 14 January 2014 you were served with a Statutory Demand dated 13 December 2013 [it wasn't it was dated 16 December 2013 - if that's in any way relevant]. However you have not paid the amount demanded or contacted us to agree a suitable payment arrangement within the 21 days allowed by the Statutory Demand, nor have you applied to set-aside the Statutory Demand.

 

As a result of your failure to resolve the matter, we will shortly be submtting a Sequestration Petition to your local Sheriffs Court. If a Sequestration Petition is issued, a hearing date will be set and you will be served with the Sequestration Petition. If you do not pay the Petition debt in full or we do not come to a settlement agreement, we may seek a Sequestration Order against you at the hearing"

 

It then goes on to describe what happens if the Sequestration Order is granted.

 

It then makes a "without prejudice offer" allowing me to pay them either £19K in full settlement or £6K + £1.7K per month till the full amount is settled - for an alleged debt they have not proven I owe! £1.7K is more than my total monthly earnings and I don't imagine many people who are subject of SDs have a spare £19K lying around. What planet are these people on?

 

It ends:

 

"This offer is made on a without prejudice basis. A without prejudice offer means this offer is a genuine attempt to settle the dispute and it cannot be put before the Court.

 

Please call XXXX XXXXX on 0113 XXXX XXXX ext XXXXX as soon as possible to agree the best solution.

 

If we fail to receive a response from you in 14 days from the date of this letter, we will send a Sequestration Petition to Court to be issued"

 

Needless to say this letter ignores both my denial of the debt and the CCA request. Not sure if this is blind stubbornness, administrative incompetence or given that it is dated 4th February - the 22nd day following the service of the SD - an autobot special. The numbers in the offer certainly seem too exact (to the 23p) to have been calculated by a human but you never know.

 

All of their correspondence so far - other than the SD itself - doesn't even acknowledge disputing the debt as an option, it's merely a cause of agreeing what and when to pay them in their eyes.

 

Initially I was minded to send them a letter pointing out I have not failed to respond - the denial slip and CCA request were signed for - and refer to the the CCA request as per the following:.

 

Please note that until such times as a legally enforceable, original Consumer Credit Agreement can be produced and a copy sent to me by return, then this letter is not an acknowledgement of debt and this account will remain in an unenforceable state protected in line with s.127 (CCA1974). Please also note that failure to provide a direct answer to this request will be brought before the court, should you decide to defy the content of this letter and instruct solicitors to pursue enforcement action regardless.

 

However on reflection would I be better off letting them hang themselves by their own petard as the clock is ticking on the CCA request and why bring this to their attention?

 

I'm not entirely sure what they mean by set aside? I thought this was an English term? And in the absence of a court hearing how am I supposed to do so? A red herring I expect.

 

14 days from the date of the letter is 28th February.

 

Assuming a valid CCA agreement is not forthcoming could anyone offer any advice as to next step please?

Edited by JimBrain
Link to post
Share on other sites

Keep proof you sent back the denial slip, any sequestration action will be halted and the claimants would then have to go through the courts.

If you do not want to be sequestrated, sending back the denial slip (recorded delivery) denying the debt, prevents apparent insolvency kicking in and therefore the creditor cannot petition for the debtor’s sequestration.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Keep proof you sent back the denial slip, any sequestration action will be halted and the claimants would then have to go through the courts.

If you do not want to be sequestrated, sending back the denial slip (recorded delivery) denying the debt, prevents apparent insolvency kicking in and therefore the creditor cannot petition for the debtor’s sequestration.

 

I have retained the receipt for postage and have printed the proof of delivery with scanned signature. I have scanned copies of the SD and denial slips that were returned and a Word version of the CCA Letter.

 

Does this mean that in the event they go ahead with the Sequestration Petition, all I need to do is produce this evidence and it is dismissed, albeit they can then go back to the court?

 

I think I will wait till the time for them to respond to the CCA request lapses before responding to them. After all, someone once said, never interrupt your enemy when they're making a mistake!

Link to post
Share on other sites

You're in a position here where you're dealing with someone from England

who is applying their experience of English law to their replies.

You can use this to your advantage.

 

For instance,

we had dealings with an company where the solicitor was based in England

and who thought putting "without prejudice" on their letters meant none of the contents of their letters

could be put before the court

....little did they understand how different the interpretation is in Scotland compared to England.

 

They wrote extremely freely in their letters and got a shock when we started

using the comments in their letters against them when they decided to attempt court action.

 

If you're able to, take advantage of their relative ignorance of the Scottish system which

, in my eyes, is a much fairer system with higher burdens of proof (just my opinion).

 

From what maroondevo52 says it seems they are completely ignorant of the Scottish process.

It is probably a good thing if you have knowledge that they don't. Good luck in your fight.

Link to post
Share on other sites

  • 2 weeks later...

Thanks again for comments and support.

 

Today is the 12th working day since they received the denial slip and CCA request.

 

I have received nothing re the CCA request,

only the aforementioned "without prejudice" attempt to squeeze payment out of me.

 

What would you recommend as the next step?

 

I'm thinking I should send them (BW Legal) a letter in the next few days.

 

Something along the lines of

"I received your letter of 4th Feb. I was surprised and disappointed that you did not acknowledge

receipt of the denial slip and accompanying CCA request

which were signed for at your office on 31st Jan in line with your request for all correspondence

on the matter to be directed to yourself.

 

Return of the denial slip is sufficient to prevent sequestration petition on the basis of apparent insolvency"

 

Then something about them being in breach of CCA having ignored my request?

 

They threatened to send sequestration petition 14 days from issue of the last letter which is Friday 28th Feb.

Edited by JimBrain
Link to post
Share on other sites

failure to comply to CCA letter might be an idea once 12+2 working days have elapsed

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

failure to comply to CCA letter might be an idea once 12+2 working days have elapsed

 

dx

I agree. It can be tempting to "tweak the tiger's tail" when you appear to be in a good position, but my experience has shown me that keeping a low profile is often the better strategy. You can be strong, have great denials, and cutting replies to letters when prompted, but being pro-active just stirs things up when it would be better if they were left alone - let them do the running. A reminder about their failure to comply with your CCA request is certainly in order, but there's no need to say anything about returning the denial slip. They'll know what it means, and if they are daft enough to continue you have your defence

Link to post
Share on other sites

I agree. It can be tempting to "tweak the tiger's tail" when you appear to be in a good position, but my experience has shown me that keeping a low profile is often the better strategy. You can be strong, have great denials, and cutting replies to letters when prompted, but being pro-active just stirs things up when it would be better if they were left alone - let them do the running. A reminder about their failure to comply with your CCA request is certainly in order, but there's no need to say anything about returning the denial slip. They'll know what it means, and if they are daft enough to continue you have your defence

 

Yes there is a named person dealing with the account at their end and I suppose there is the risk of making it personal if you go overboard with the cutting replies. I do think I should gently remind them I did indeed return the denial slip though. But I will stick to factual statements on the basis less is more and a low profile is better than stirring it up. The balance to be struck is to let them know they will be strongly opposed if they insist on pursuing this. I will be sending failure to comply letter registered post on Monday

Link to post
Share on other sites

failure to comply to CCA letter might be an idea once 12+2 working days have elapsed

 

dx

 

Is there a template you could recommend?

 

Found this one after a search but seems a bit over the top? Also based on an English case http://www.consumerwiki.co.uk/index.php/DCA:_Non-Compliance_of_CCA_Request

Link to post
Share on other sites

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

  • 2 weeks later...

Jim Brain, any updates on your battle with BW Legal and them saying you did not send the denial slip for the stat demand?

 

I was referred to your thread today, from my thread of exactly the same nature. Another scottish member, alscotland, is in the same position too - doubtless, so are many others.

 

My feeling is they are bluffing - where clearly ALL of us DO have proof of these denial slips being returned.

 

Your deadline of 28th Feb has passed - any updates?

 

Please do keep in touch thru here, so we can all help each other out...

Link to post
Share on other sites

SB, up until yesterday morning (5th March) I've had nothing through, although their last letter was dated 4th February but didn't actually arrive till the 9th. Not sure if that is through use of snail mail or a deliberate tactic to try to reduce the effective time I have to respond.

 

The 4th was actually the 21st and final day for a response under the SD (no working days caveats for us plebs), so a question I would ask is did they jump the gun sending a letter with this date?

 

In any case I'm not sure if their assertion that I haven't denied the SD is something they would seriously claim or a just tactic to make me think my reply had been lost in post - even though they must know I know it was signed for via special delivery - or are just ploughing on relentlessly with threats and intimidation in the hope I'll capitulate.

 

They might also be betraying their lack of knowledge of the Scottish legal system by sending this letter "without prejudice" thinking that it cannot be produced in court thereby giving themselves a licence to harass me with impunity. I certainly hope so.

 

So to date, they have possibly jumped the gun re following up the SD, wrongly thinking their "without prejudice" letter cannot be produced in court - wrongly asserted that I have not denied the SD despite documentary evidence to the contrary - whilst ironically ignoring my own CCA request. That’s good going.

 

On the point of CCA request - I had a browse of the net prior to sending the follow up letter and I found a thread elsewhere where someone was claiming that a CCA request could be viewed as acknowledgement of debt as it is designed for information purposes rather than proving existence of debt therefore only a genuine debtor would make such a request.

 

The consensus was that this is not so and not something to be concerned about, however being ultra careful I added the words “where such an agreement exists” to the sentence that in essence says you are obliged to provide all relevant documents in the template that was kindly provided by maroondev. Don’t know if you would view this as overly cautious but hopefully it couldn’t do any harm.

 

I’ll report back if and when I hear from them again. Happy to help as I have received more than my fair share of assitance here.

Edited by JimBrain
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...