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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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Is an ECN the same as a PCN???


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I was recently issued an Excess Charge Notice by Chester City Council under the Road Traffic Regulation Act 1984, for parking in a designated parking place for more than 10 minutes without a valid permit.

 

My first question is: Is a Penalty Charge Notice the same as an Excess Charge Notice? Does it come under the same points of law ie must contain both date of issue and date of contravention etc....

 

I don't have a scanner, but have typed out the ticket below - any advice is most welcome!

 

Chester City Council

Excess Charge Notice

Road Traffic Regulation Act 1984

 

Excess Charge Notice Number: CSxxxxx

Vehicle Registration Number: Vxxxx

Make: Rover

Your vehicle was first observed at 11.07 parked in a designated parking place in Cuppin Street

On 11/08/2006 at 11.07

By parking attendant No: 354

It was again observed at 11.30 and the vehicle was left without displaying a valid Permit

 

AN EXCESS CHARGE OF £40.00 IS NOW PAYABLE WITHIN 14 DAYS FROM THE ISSUE OF THIS NOTICE. FAILURE TO PAY MAY RESULT IN LEGAL PROCEEDINGS.

THE DRIVER OF THE VEHICLE IS RESPONSIBLE FOR PAYMENT OF THE EXCESS CHARGE. (I thought it was the owner / rk who is responsible?)

 

It is an offence under Section 47(1) of the Road Traffic Regulation Act 1984 for the driver of a vehicle to fail to pay this charge. The penalty on conviction is a fine of up to £500. It is also an offence under Section 46(1) of the Road Traffic Regulation Act 1984 to contravene the provisions of the Council's relevant Residents and Designated Parking Places Order.

 

On the back it says:

DO NOT IGNORE THIS EXCESS CHARGE NOTICE

Payment of this Notice must be received within 14 days of the issue date.

 

It then gives details on how to pay and how to appeal. The tear-off payment slip at the bottom doesn't have an issue date on it and nowhere does it say anything about what happens if you don't pay.

 

I think there are several points I can dispute the ECN on but would welcome any guidance..... smile.gif

15/2/07 Lloyds TSB number 1 account settled in full :D

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My advice or opinion is offered in good faith but without prejudice or liability. It should not be considered as legal advice. If in doubt, seek advice from a qualified legal professional.

 

"Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure" - Marianne Williamson

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thanks jet force - had already seen your posts on that thread, very interesting reading!

 

Can anybody shed any light on whether the ECN is the same as a PCN?

15/2/07 Lloyds TSB number 1 account settled in full :D

20/2/07 5% donation to site :) thanks guys!!

My advice or opinion is offered in good faith but without prejudice or liability. It should not be considered as legal advice. If in doubt, seek advice from a qualified legal professional.

 

"Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure" - Marianne Williamson

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ha ha no it is not the same. A PCN is issued by a council that has decriminalised parking under the 1991 RTA.

An ECN is any ticket issued by a Council which is operating under the 1984 RTA.

Similar but not the same.

If you have an ECN and the ECN refers to any fixed time period, either for payment, or for appeal and the ECN does not have a "date of issue" or "date of offence" then contest the tickets!

The date of the offence is not the date of the notice even if, in most cases, the ECN will be issued on the same day as the offence. A real possibility of prejudice arises from potential uncertainty as to when the periods for payment begin and end.

I am contesting six tickets on this basis.....

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Thank you! six tickets?! go for it!

 

Are there any template letters for these situations the same as there are for the bank charges?

15/2/07 Lloyds TSB number 1 account settled in full :D

20/2/07 5% donation to site :) thanks guys!!

My advice or opinion is offered in good faith but without prejudice or liability. It should not be considered as legal advice. If in doubt, seek advice from a qualified legal professional.

 

"Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure" - Marianne Williamson

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Thank you! six tickets?! go for it!

 

Are there any template letters for these situations the same as there are for the bank charges?

 

Check the ticket if there is a requirement as to how to request a hearing by the Court.

 

By the time you get a hearing the Judgement of Mr Justice Jackson in Mses & barnet should be available. PCN or ECN will still have to follow the Judgement of the Dates Issues as they both rely on them.

PUTTING IT IN WRITING & KEEPING COPIES IS A MUST FOR SUCCESS

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No details about how to take it to court....

 

Thanks jet force for the template letter, looks good! What are ppls opinions about the fact that the ticket states the driver must pay the charge, not the registered keeper or owner? Is this something that is only covered by the 1991 act?

15/2/07 Lloyds TSB number 1 account settled in full :D

20/2/07 5% donation to site :) thanks guys!!

My advice or opinion is offered in good faith but without prejudice or liability. It should not be considered as legal advice. If in doubt, seek advice from a qualified legal professional.

 

"Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure" - Marianne Williamson

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Have sent the following to the council (thanks to jet force for parts of it!)

 

Dear Sir,

 

RE: PARKING FINES CS19001811 and CS21004203 - Vehicle Reg V954 HVC

 

I write regarding the above Excess Charge Notices which I believe are unlawfully worded. As such, a real possibility of prejudice arises from potential uncertainty as to when the periods for payment and appeal begin and end.

 

There is considerable case law in this country at present regarding the wording of parking tickets. Many councils that operate parking regimes are now finding they have issued unlawful tickets for considerable periods of time. The public have been blissfully unaware that for years, Councils have been issuing tickets that are not enforceable. Part of the problem is that the Councils themselves are not actually aware of their legal responsibilities.

 

I understand that Chester City Council does not have DPE powers, and is thus still operating under the Road Traffic Regulation Act 1984 as opposed to the 1991 Act.

 

The Department of Transport have advised that whilst there are two separate acts, the requirements for the wording of tickets is essentially the same. Whether the ticket is a PCN, or an ECN, the tickets must clearly state the date and time that an offence or contravention occurred as well as the date and time the ticket were issued. This allows the owner to:

 

a) contest the validity of the ticket based on the date and time of the offence

b) have absolute certainty of the exact time frame for payment or appeal

 

The tickets issued by Chester City Council do not contain any of the above information. They do not show clearly a “date of the offence”, nor a “date of issue”.

 

The front of the tickets actually state:

 

"AN EXCESS CHARGE OF £40.00 IS NOW PAYABLE WITHIN 14 DAYS FROM THE ISSUE OF THIS NOTICE."

 

Moving on to the back of the ticket we have:

 

"Payment of this Notice must be received within 14 days of the issue date"

 

Without a date of issue clearly written on your tickets, I cannot be sure of the time frame for appeal or payment. Furthermore, there is nothing on the ticket which indicates the time frame for an appeal - and, given that there is no date of issue, would not serve its purpose even if it were printed.

 

In addition, I believe that it is the owner or registered keeper's duty to pay the excess not the driver, under the 1984 Act, as stated on your tickets.

I note that Chester City Council and Cheshire County Council are intending to apply to the Secretary of State to introduce decriminalised parking. I would suggest that the wording on these tickets is reviewed before this system is introduced, otherwise the councils will find themselves continuing to issue unlawful tickets.

I request that Chester City Council revoke these tickets issued to me with immediate effect. Furthermore the Council should consider re-wording the tickets before any concerns over their validity becomes public knowledge.

15/2/07 Lloyds TSB number 1 account settled in full :D

20/2/07 5% donation to site :) thanks guys!!

My advice or opinion is offered in good faith but without prejudice or liability. It should not be considered as legal advice. If in doubt, seek advice from a qualified legal professional.

 

"Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure" - Marianne Williamson

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Hmmm, yes interesting point about the "driver" and not the "owner". Presumably if you were not the "driver" the Council would be entitled to know who the "driver" was. Unless you wanted to pass the fines on to someone else you would have to say that you did not know who the driver was at the time. But I dont see that holding up very well!

 

Stick to the issue of the date of issue and date of offence. As previously said the final outcome of moses vs barnet should nail this.

 

Good luck with your case, they have no legs to stand on.

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Thank you for all your help jet force....

 

The point about the driver thingy was just me being pedantic :rolleyes: - ie if they want to issue tickets quoting Acts of law then they must ensure they are complying with all aspects of the Act including the wording on their tickets.

15/2/07 Lloyds TSB number 1 account settled in full :D

20/2/07 5% donation to site :) thanks guys!!

My advice or opinion is offered in good faith but without prejudice or liability. It should not be considered as legal advice. If in doubt, seek advice from a qualified legal professional.

 

"Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure" - Marianne Williamson

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Sent the above as an email on Sunday - haven't had a response yet.....:mad:

15/2/07 Lloyds TSB number 1 account settled in full :D

20/2/07 5% donation to site :) thanks guys!!

My advice or opinion is offered in good faith but without prejudice or liability. It should not be considered as legal advice. If in doubt, seek advice from a qualified legal professional.

 

"Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure" - Marianne Williamson

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Does anyone have any comments / advice re the response I've had.....

 

Thank you for your email.

I have considered your appeal but I am satisfied the parking tickets should not be cancelled.

Unfortunately the information you provided in your appeal is incorrect. Firstly, the issue regarding the notification of offence date and issue date only refers to the Road Traffic Act 1991 which can be applied to moving traffic offences.

Secondly, under Section 35A of the Road Traffic Act 1984 it is an offence for the driver of a vehicle to fail to pay an Excess Charge Notice.

Thirdly, whilst Chester City Council welcomes any appeals against Excess Charge Notices, (as stated on the reverse of the ticket), it is not compulsory, under the Road Traffic Act 1984, for any such process to apply.

Please pay each £40 parking ticket within 7 days from the above date.

15/2/07 Lloyds TSB number 1 account settled in full :D

20/2/07 5% donation to site :) thanks guys!!

My advice or opinion is offered in good faith but without prejudice or liability. It should not be considered as legal advice. If in doubt, seek advice from a qualified legal professional.

 

"Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure" - Marianne Williamson

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Anyone? ;-)

15/2/07 Lloyds TSB number 1 account settled in full :D

20/2/07 5% donation to site :) thanks guys!!

My advice or opinion is offered in good faith but without prejudice or liability. It should not be considered as legal advice. If in doubt, seek advice from a qualified legal professional.

 

"Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure" - Marianne Williamson

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Does anyone have any comments / advice re the response I've had.....

 

Thank you for your email.

 

I have considered your appeal but I am satisfied the parking tickets should not be cancelled.

 

Unfortunately the information you provided in your appeal is incorrect. Firstly, the issue regarding the notification of offence date and issue date only refers to the Road Traffic Act 1991 which can be applied to moving traffic offences.

 

Secondly, under Section 35A of the Road Traffic Act 1984 it is an offence for the driver of a vehicle to fail to pay an Excess Charge Notice.

 

Thirdly, whilst Chester City Council welcomes any appeals against Excess Charge Notices, (as stated on the reverse of the ticket), it is not compulsory, under the Road Traffic Act 1984, for any such process to apply.

 

Please pay each £40 parking ticket within 7 days from the above date.

 

This is very interesting.

 

Lets ay the driver did not receive the ticket. ie. it was removed from the vehicle. Does this offence require the Owner/RK to provide the details of the driver?

 

There must be a right to challenge either by appeal or by the right to have the matter heard before a court. If not then the Bill of Rights would apply.

PUTTING IT IN WRITING & KEEPING COPIES IS A MUST FOR SUCCESS

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Thirdly, whilst Chester City Council welcomes any appeals against Excess Charge Notices, (as stated on the reverse of the ticket), it is not compulsory, under the Road Traffic Act 1984, for any such process to apply.

 

Please pay each £40 parking ticket within 7 days from the above date.

 

So, why list details of how to appeal on the ticket if they have no intention of even allowing an appeals process in the first instance should someone decide to appeal??? What a crazy set up!!

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