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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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Parking eye definition of parking


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Having recived a parking charge notice at a retail park from parking eye

am at the letter before county court claim how exciting:lol:

 

There first invoice states my arrival and departure time

The signage which is clearly displayed at the entrance and throughout the car park........

 

 

By either not purchasing the appropriate parking time or by remaining at the car park longer than the permit tatted time according to terms and conditions

 

however the car park signage clearly states 45 mins parking for all customers but I was there 1hour o minutes

 

According to there entry and exit times

 

definition of parking the act or practice of temporarily leaving a vehicle or maneavering a vehicle into a certain location

 

So how can they claim I was parked longer than permitted when was in the queue for a parking space and queue leaving the car park

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Have you made an appeal based on the assertion that you were not 'parked' for the length of time that you were permitted under their T&Cs?

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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Not as yet there letter states that they WILL issue court proceedings in the next 14 days unless I pay

 

Guess I will have court papers soon

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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I was thinking more of trying to stop the claim before it comes to them issuing proceedings - as you know, PE are throwing court papers out like confetti at the moment

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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Yes they are throwing them out all the time

But missed the appeal time with being away

 

If they do court papers does not mean that they will win

Despite the claims on there website!

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Yes they are throwing them out all the time

But missed the appeal time with being away

 

If they do court papers does not mean that they will win

Despite the claims on there website!

 

Absolutely - and it would be good to see them come unstuck!

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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You can claim that you fulfilled the contract by not being parked more than the allowed time and they have now changed the contract by changing the terms from parking to staying and that you reject this change to the written terms and therefore they have caused a breach of contract and not you and so they owe you the sum notified on their signage for the breach.

Check wording on sign to ensure that your letter is exactly correct in the terms. If they then decide tostart a claim against you, counterclaim for the same amount.

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You can claim that you fulfilled the contract by not being parked more than the allowed time and they have now changed the contract by changing the terms from parking to staying and that you reject this change to the written terms and therefore they have caused a breach of contract and not you and so they owe you the sum notified on their signage for the breach.

Check wording on sign to ensure that your letter is exactly correct in the terms. If they then decide tostart a claim against you, counterclaim for the same amount.

 

I drove into and out of the same car park to read the signage and it stated 45 minuets Free parking for all customers

 

Today I did not park but still took over 10 mins to drive in and out the car park as packed and traffic lights on junction outside car park

 

In a way hoping for court paperwork as parking eye website states they are fighting back against the forums but could you ever believe there own site

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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They are arguing a breach of contract so hit them with their own stick. Fighting back against the consumer and motoring forums? If they were in the right they wouldnt have to fight anything, the courts would have made ndecisions that went against them and cases like VCS v Somerfield wouldnt have happened.

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Although there is no garantee of a win there paperwork says they Will issue court proceedings if no payment made in 14 days

 

all I can say is if parking eye are reading this

 

Send me court paperwork the forums are fighting back:boxing::boxing::boxing::boxing:

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Hi not sure on this but I believe that claiming that they will issue court proceedings and then not doing so is against OFT guidelines so you may have a case to report to OFT if they do not issue.

 

dpick

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If you were the driver but not the registered keeper of the vehicle then if you get the registered keeper to provide Parking Eye with the full serviceable name and address of the driver before they issue court proceedings then you will be entitled (as the driver) to go through the appeals process (ParkingEye's and then POPLA)

 

Obviously if you are both RK and driver then this doesn't apply.

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Hi not sure on this but I believe that claiming that they will issue court proceedings and then not doing so is against OFT guidelines so you may have a case to report to OFT if they do not issue.

 

dpick

 

You are correct - if they are using the "threat" of a claim as a debt collection (parking ticket) tool then the OFT will investigate. They should not threaten to take steps that they are not permitted to take or that they will not follow through.

 

They censured Mucky Hall and 1st credit for threatening to / issuing, stat demands with no intention of taking them further if the recipient didn't respond.

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Having recived a parking charge notice at a retail park from parking eye

am at the letter before county court claim how exciting:lol:

 

There first invoice states my arrival and departure time

The signage which is clearly displayed at the entrance and throughout the car park........

 

 

By either not purchasing the appropriate parking time or by remaining at the car park longer than the permit tatted time according to terms and conditions

 

however the car park signage clearly states 45 mins parking for all customers but I was there 1hour o minutes

 

According to there entry and exit times

 

definition of parking the act or practice of temporarily leaving a vehicle or maneavering a vehicle into a certain location

 

So how can they claim I was parked longer than permitted when was in the queue for a parking space and queue leaving the car park

 

Parking Eye generally uses ANPR camera’s at the entrance/exit of it's car parks.

 

The cameras only record the time that a vehicle enters the car park and when it leaves, they do not record the actual parking event or the point at which the contract to park is entered into.

 

There are a number of separate actions involved here that relate to the parking event.

 

1 Driving into the car park. (Entry time recorded on ANPR).

 

2 Locating and then Parking the car in an empty parking space.

 

3 Reading the terms and conditions of parking offered at the retail park.

 

4 Acceptance of those terms and conditions by remaining at the car park ('Parking' under contract starts now)

 

5 Driving out of the parking space ('Parking' under contract ends now)

 

6 Driving out of the retail park. (Exit time recorded on ANPR).

 

The times of the actual ‘parking under contract’ event therefore differ significantly from the entry and exit times recorded by Parking Eye’s ANPR cameras. Furthermore, Parking Eye’s ANPR system takes no account of the regular problems in effecting a speedy departure due to peak shopping times,the car park road layouts and any problems exiting onto the highway

Edited by Nev Met
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But the signage clearly states 45 mins Free parking for customers pay and enter rege number after that

 

Parking =the act or practice of temporally leaving a vehicle or maneavering a vehicle into a certain location

 

The signage does not state anything about max time ect

 

There threading letters state

 

By either not purchasing the appropriate parking time or by remaining at the car park longer than permitted in accordance with the terms and conditions set out in the signage

 

Parking eye are changing the rules from signage to there letters

 

I was not parked for the times they state

There case is week should they carry out with there threat of court

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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PE seem to do this quite often, referring to signs that dont exist, change the wording in their invoices from those that appear on thier signs, insist that you show proof of a minimum spend when previously they asked for a copy of shopping receipt. I can see that this will do them no good at all if that is how they go on at court but the bigget problem is that we are not hitting the shops with this infomation and telling them that it will cost them lost business by allowing their agents to lie their way into your wallet. Pretty easy to get on to a single retailer like a supermarket but a damned sight harder with these multi-developments as many of the shops hate the trouble they are caused by these parking companies but Parking Eye in particular.

When peole win at court they ought to write to the company that emplyed them and tell them that the court action was supposedly in their interest and that they areas culpable in the deceit as the parking. co.

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The BPA's Code of Conduct probably covers the OP's original point.

 

13.2 You should allow the driver a reasonable ‘grace period’ in which to decide if they are going to stay or go. If the driver is on your land without permission you should still allow them a grace period to read your signs and leave before you take enforcement action.

 

and

 

13.4 You should allow the driver a reasonable period to leave the private car park after the parking contract has ended, before you take enforcement action.

 

That shows a differentiation between time parked (the contract period) and time on the land (between entry and exit). But PE's ANPR does not bother with such a differentiation.

 

http://www.britishparking.co.uk/write/Documents/AOS/609_AOS_CoP_June_2013_update.pdf

Plenty of ammunition here!

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  • 1 month later...
You are correct - if they are using the "threat" of a claim as a debt collection (parking ticket) tool then the OFT will investigate. They should not threaten to take steps that they are not permitted to take or that they will not follow through.

 

They censured Mucky Hall and 1st credit for threatening to / issuing, stat demands with no intention of taking them further if the recipient didn't respond.

 

Still no claim form

Payment required in 14 days otherwise they WILL issue court proceedings

 

That was 37 days ago think time to make a complaint

Was looking forwards to court to give them another bashing

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Still no claim form

Payment required in 14 days otherwise they WILL issue court proceedings

 

That was 37 days ago think time to make a complaint

Was looking forwards to court to give them another bashing

PE have been telling me this now for over a year,so you may aswell sit down,put feet up have a very long cup of tea and be board out yah brain waiting.

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