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    • 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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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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Lowell claimform - old BT broadband debt


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Hi Guys,

 

Very new to this, so any help is very much appreciated.

 

I have received a Claim Form for Lowell Portfolio 1 LTD from Northampton county court business centre, for an alleged outstanding BT broadband debt of £290.00 from 5 years ago.

 

There was a a dispute with BT regarding broadband, not providing the service and speeds offered, but their charges continued unnoticed.

 

I am not sure the best way to respond to this. I have further information, but not sure what is relevant/needed.

 

Thank you in advance for any help!!

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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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Date of issue – 20 Nov 2017

 

What is the claim for – the reason they have issued the claim?

1) The defendant entered into an agreement with BT PLC under account ref......

2) The defendant failed to maintain the required payments and the service was terminated

3)The Agreement was latered assigned to the claimant on 27/03/2017 and notice given to the Defendant.

4)Despite repeated requests for payment, the sum of £290.00 remains due and outstanding.

And the claimant claims

a)The said sum of £290.00

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, accruing at a daily rate of £0.064, but limited to one year, being £15.00

c) Costs

What is the value of the claim? £390.00

 

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Broadband/landline

 

When did you enter into the original agreement before or after 2007? after

 

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? not sure

 

Did you receive a Default Notice from the original creditor? not sure

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? not sure

 

Why did you cease payments? Dispute over quality/speed of broadband

 

What was the date of your last payment? Oct 2012

 

Was there a dispute with the original creditor that remains unresolved? Yes but no official complaint was lodged.

 

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

 

Sorry for slow reply, have been super busy. Im not certain on correspondence received in this time as have moved house a few times and been out of the country to. Hopefully there is enough relevant info.

 

Should i complete a CCA request.

 

Thanks for any help!!

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CCA requests are not applicable on service accounts....CPR 31.14 only

 

Andy

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pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway 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 CPR 31:14 request running to the solicitors

.

type your name ONLY

 

no need to sign anything

.

you DO NOT await the return of paperwork.

you MUST file a defence regardless by day 33 from the date on the claimform.

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 info and help!

 

Have been really busy.

 

Could the process explained above result in me having to go to court, or incurring further charges etc?

 

Im sure I could figure out how to do the things mentioned above,

 

but am not sure what any of it really means or potential results from it.

 

Im considering just paying the unfair and inflated claim as dont want to lose and time is running thin, £390 a lot of money to me atm though.

 

Thanks again

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get on with it

you are wasting valuable time

 

not seen one of these bogus broadband claims lost here yet.

 

trust CAG use the tried and trusted method in post 5.

 

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

Thanks for the info and help!

 

Have been really busy.

 

Could the process explained above result in me having to go to court, or incurring further charges etc? Possibly because you would be defending the claim...but not all defended claims go the full process once the claimant knows your not going to role over and accept a default judgment

 

Im sure I could figure out how to do the things mentioned above,

 

but am not sure what any of it really means or potential results from it. If you dont defend it and acknowledge service within 19 days the claimant can request a default judgment

 

Im considering just paying the unfair and inflated claim as dont want to lose and time is running thin, £390 a lot of money to me atm though. Well thats your prerogative ...but all defended claims will proceed to a disclosure stage were the claimant must quantify and prove the amount claimed is genuine.....and £390 appears rather steep for a Broadband and Landline charge which as you state yourself " unfair and inflated claim "...but yet your will ing to hand it over no questions asked.

 

Thanks again

 

Andy

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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pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway 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.

 

I have just complete the steps above

.

get a CPR 31:14 request running to the solicitors

 

[Removed]

type your name ONLY

 

no need to sign anything

.

you DO NOT await the return of paperwork.

you MUST file a defence regardless by day 33 from the date on the claimform.

 

Thanks everyone who responded for putting up with me, would of given up without your guys help, and now I know for next time

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Just click CPR 31:14 and read!!

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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well everyone else has managed to find the template..

 

click the black link in your above post

4th sticky down legal CPR 31:14

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

Sorry for the delay.

 

Should/Can I show you guys the CPR Letter I plan to send to the solicitors or should I send it off?

 

Also any info or help on exactly what 'you MUST file a defence regardless by day 33 from the date on the claimform.' means?

 

Thank you

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we know what our template looks like.

 

read the claimform - you have a total 33 days to file your defence...

if you don't you lose by default.

 

go read like threads in this forum lots of broadband / homephone claimforms

 

use the search CAG box of the top red toolbar

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

Last question from me i hope,

 

Im planning on using the following template which is a very similar claim to mine, im just not sure whether to change the order of the particulars to match how the are on my claim form and therefore have to change the responses? Or whether to leave it as it is adding just the correct numbers and amounts etc.

 

Thanks!

 

Particulars of Claim

 

1.The Claimant's Claim is for the Sum of £XXX.XX being monies due from the Defendant to the Claimant under a Telecommunications agreement regulated by the consumer credit

Act 1974 between the Defendant and BT Plc under the account reference XXXXX

 

2.And assigned to the claimant on 24/03/2016 notice of which has been given to the Defendant.

 

3.The Defendant failed to maintain the contractual payment under the terms of the agreement and a default notice has been served and not complied with.

 

The claim also includes statutory interest pursuant to section 69 of the County Courts Act 1984 at a rate of 8.00% per annum ( a daily rate of £0.04 from the date of assignment of the agreement to 07/12/2016 being an amount of £10.36

 

1. Paragraph 1 is denied with regards to the defendant entering into an agreement referred to in the Particulars of Claim (‘the Agreement’) the Claimant has yet to disclose any such agreement.

 

2. Paragraph 1 is denied with regards to the Defendant owing any monies to the Claimant the claimant has failed to provide any evidence of assignment/balance/breach as requested by CPR 31. 14 and the Claimant is put to strict proof to:

(a) show how the Claimant has entered into an agreement with the Claimant; and

(b) show how the Claimant has reached the amount claimed for; and

© show how the Claimant has the legal right, either under statute or equity to issue a claim;

 

3. As per Civil Procedureicon Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

 

4. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer crediticon Act 1974.

 

5. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

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Requires a bit of work.....1. Paragraph 1 is denied with regards to the defendant entering into an agreement...you cant deny entering into an agreement just because they have not disclosed the agreement.

 

 

State the truth as per your opening post .....

 

" There was a a dispute with BT regarding broadband, not providing the service and speeds offered, but their charges continued unnoticed. "

 

Andy

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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that's not your POC from YOUR claimform either!

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

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

1) The defendant entered into an agreement with BT PLC under account ref......

2) The defendant failed to maintain the required payments and the service was terminated

3)The Agreement was latered assigned to the claimant on 27/03/2017 and notice given to the Defendant.

4)Despite repeated requests for payment, the sum of £290.00 remains due and outstanding.

And the claimant claims

a)The said sum of £290.00

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, accruing at a daily rate of £0.064, but limited to one year, being £15.00

c) Costs

 

 

 

1 not disputing this? Really not sure about response

 

2. There was a a dispute with BT regarding broadband, not providing the service and speeds offered, but their charges continued unnoticed.

 

3 Paragraph 3 is denied with regards to the Defendant owing any monies to the Claimant the claimant has failed to provide any evidence of assignment/balance/breach as requested by CPR 31. 14 and the Claimant is put to strict proof to:

(a) show how the Claimant has entered into an agreement with the Claimant; and

(b) show how the Claimant has reached the amount claimed for; and

© show how the Claimant has the legal right, either under statute or equity to issue a claim;

 

4. As per Civil Procedureicon Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

 

On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer crediticon Act 1974.

 

By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

 

 

Am going to be sending this in next day or two so any corrections or advice much appreciated.

 

1) The defendant entered into an agreement with BT PLC under account ref......

2) The defendant failed to maintain the required payments and the service was terminated

3)The Agreement was latered assigned to the claimant on 27/03/2017 and notice given to the Defendant.

4)Despite repeated requests for payment, the sum of £290.00 remains due and outstanding.

And the claimant claims

a)The said sum of £290.00

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, accruing at a daily rate of £0.064, but limited to one year, being £15.00

c) Costs

 

 

 

1 not disputing this? Really not sure about response

 

2. There was a a dispute with BT regarding broadband, not providing the service and speeds offered, but their charges continued unnoticed

 

3 Paragraph 3 is denied with regards to the Defendant owing any monies to the Claimant the claimant has failed to provide any evidence of assignment/balance/breach as requested by CPR 31. 14 and the Claimant is put to strict proof to:

(a) show how the Claimant has entered into an agreement with the Claimant; and

(b) show how the Claimant has reached the amount claimed for; and

© show how the Claimant has the legal right, either under statute or equity to issue a claim;

 

4. As per Civil Procedureicon Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

 

On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer crediticon Act 1974.

 

By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

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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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Share on other sites

Post your final draft here for checking before submitting jbb

 

Andy

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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