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    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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Lowell claimform - old Shop Direct CAT debt***Claim Dismissed***


The_Debt_Man
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Hi guys ;)

 

I've not had to deal with anything like this so i just want to make sure nothing has changed.

 

I received a Court Claim Form for what I'm guessing is a old catalogue debt.

 

Claimant:

Lowell Portfolio LTD

 

The POC says:

 

1) The Defendant entered into a Consumer Credit Act 1974 regulated agreement with Shop Direct under account reference ********

(‘the Agreement’).

 

2) The Defendant failed to maintain the required payments and a default notice was served and not complied with.

 

3) The Agreement was later assigned to Claimant on 22/11/2012 and notice given to the Defendant.

 

4) Despite Repeated Requests for payment, the sum of £3,190.05 remains due and outstanding.

 

And the Claimant claims

a) The said sum of £3,190.05

b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue

c) Costs

 

Are the steps at this stage still to make CCA Request and CPR 31.14 ?

 

Thanks for any help given.

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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... 

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Name of the Claimant ? Lowell Portfolio LTD

Date of issue – 15 JAN 2017

 

What is the claim for –

 

The POC says:

 

1) The Defendant entered into a Consumer Credit Act 1974 regulated agreement with Shop Direct under account reference ********

(‘the Agreement’).

 

2) The Defendant failed to maintain the required payments and a default notice was served and not complied with.

 

3) The Agreement was later assigned to Claimant on 22/11/2012 and notice given to the Defendant.

 

4) Despite Repeated Requests for payment, the sum of £3,190.05 remains due and outstanding.

 

And the Claimant claims

a) The said sum of £3,190.05

b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue

c) Costs

What is the value of the claim? £3,190.05

 

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? CAT Debt

 

When did you enter into the original agreement before or after 2007? After From the POC.

 

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. Debt Purchaser.

Were you aware the account had been assigned – did you receive a Notice of Assignment? Maybe but i cant remember anything.

 

Did you receive a Default Notice from the original creditor? Maybe but i cant remember anything.

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?

 

Why did you cease payments?

 

What was the date of your last payment?

 

I don't even know who its from as shop direct could be anything.

 

Was there a dispute with the original creditor that remains unresolved? Not that i know of.

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? NO

 

Is this ok?

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pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long number given

then log in

.

select respond to a claim and select the AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CCA Request running to the claimant

get a CPR 31:14 request running to the solicitors

[if this is a Bank Account use the other version in the library]

.

don't sign anything

leave the £1PO blank and uncrossed .

 

.not a lot of good you pushing the problems that you don't know anything over to us

and asking for our help,,,

 

pop up on your credit file and see if this jogs any memory cells about the missing information above.

 

you've already beat two previous claims

so you've probably more idea than most of us on the way to beat these fleecers.

  • Confused 1

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... 

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Sorry if I've somehow done something to offend you but I can assure you that was not my Intention.

 

I did have a few catalogue debts years ago that I think were a Lloyd part of this Shop Direct group so I don't know what one it could be znd would probably just show as shop direct on my credit file.

 

Yes I have beat a few claims in the passed, but the last one was about 5 years ago so I wanted to make sure that nothing had changed in the way they are delta with.

 

But it seems like this forum has changed :(

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Nothing has changed The_Debt_Man with regards to defending a claim or the forum.....just follow the process.

 

Regards

 

Andy

  • Confused 1

We could do with some help from you.

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you need to try and answer a few more of the questions you answered with ...Maybe but i cant remember anything.

or just left blank...

then we can narrow things down a bit for you...

 

Lloyds nor shop direct were linked, no

 

shop direct trade under numerous catalogue names so will be one of those.

 

your credit file should give you more info if you go look at it - most are now free too

 

as its only a 2012 sale it should still be showing and it'll have lowells as the owner now.

 

you say the poc says a date for the agreement opening , but you've not posted that..

 

if you think your last order or payment could be before jan 2010 then go ring shop direct and ask,

if it was after jan 2010 then no point.

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... 

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I received a letter from Lowell Solicitors today just saying that they have issued legal proceedings.

 

What i find strange is that its from "Lowell solicitors" and it says their client is "Lowell Portfolio I Ltd" and that the original company name is "Shop Direct".

 

From looking at the court claim form that "Lowell Portfolio I Ltd" was the solicitor that was working for "shop Direct".

 

But it looks like the original debt was with shop direct and they sold it to "Lowell Portfolio I Ltd" and "Lowell solicitors" are trying to get the money for them, even though there was no mention of "Lowell solicitors" on the court claim.

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Quite standard and nothing to divert away your need to get the claim sorted Lowell's are the claimant and they now use their in-house sols

 

Now is it statute barred??

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... 

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Thanks for the reply mate ;)

 

Yeah that's what I thought as it also said for me to contact them on a phone number.

 

No as I think the debt is only 4 years old.

 

One more thing I could do with a bit of advice with..

 

Can I send both the CCA Request and the CPR 31:14 to lowall portfolio address on the court claim as that's the only address I have and it says on the claim form to send all correspondence to them.

 

And can I put them all in the same envelope with the postal order and send it recorded post or should I send them off separately?

 

Thanks again ;)

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as below:

 

get a CCA Requestlink3.gif running to the claimant

get a CPR 31:14link3.gif request running to the solicitors

 

don't signlink3.gif anything

leave the £1PO blank and uncrossed .

 

the CCA goes to the claimant ..

the address for the sols is the one on the claimform yes.

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... 

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Share on other sites

Thanks again for the reply ;)

 

You're right...

 

On the claim form it says:

 

Claimant

LOWELL PORTFOLIO I LTD

ELLINGTON HOUSE

9 SAVANNAH WAY

LEEDS

WEST YORKSHIRE

LS10 1AB

 

 

and then:

 

 

Address for sending documents and payments (if different

 

LOWELL SOLICITORS LIMITED

PO BOX 1419

NORTHAMPTON

NN2 1BU

 

 

When i first looked at the claim form i though it was just the lowell portfolio ltd address.

 

Just to double check, do i put the £1 postal order in with the CCA request or the CPR 31:14?

 

 

Thanks again for all your help ;)

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good

 

as for the last point

read the letters you are sending!!

it tells you.

 

 

have you ack'd the claim on mcol too?

 

 

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... 

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thanks again ;)

 

I was looking at threads instead of the actual cca request (dumb moment).

It also looks like i need to use section 78.

 

and i wont sign anything just type my name in ;)

 

I've bought the postal order and ill be sending them both off tomorrow first class recorded.

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have you ack'd [AOS] the claim on MCOL?

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... 

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Share on other sites

just don't miss your defence filing date 4pm feb 16th no matter what happens or not..

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... 

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Share on other sites

from the date on your claim form ...33 days

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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A bit of an update.......

 

I've received a letter back from Lowell Solicitors.

 

It says:

 

“We confirm receipt of your letter dated 30 January 2017 requesting documents with regards to the above account.

 

We have requested the copy agreement, statements and default notice from the original creditor Shop direct and we will forward these to you upon receipt. The account is currently on hold until we have received these. We have attached the notice of assignment sent to you by our Client.

 

We note that you have acknowledged service of the claim form. You should respond to the claim as you deem appropriate within the time specified in the response pack.”

 

They have also included two letters both dated on the same date saying that the Shop direct account has not been paid and that it has now been passed over to Lowell solicitors but the other letter (still from lowell solicitors) says that their Client is Lowell Portfolio I Ltd and the original company name is shop direct.

 

To be honest i don't ever remember seeing these letters in the passed and i could be wrong they don't have that professional finish , they don't even have any sort of logo at the top and loo like they have been quickly typed up.

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they can use OC letterheads to 'fake' [ but its not]

the notice of assignment.

 

 

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... 

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Share on other sites

no CCA yet...that's the cruncher

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... 

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