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    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
    • Thanks Man in the Middle and everyone it's greatly appreciated form was filled in online yesterday now just have to wait and see
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Capquest Claimform - old £11k Halifax Loan


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New to this and some serious help needed very quickly please. My partner has received a court summons from Capquest for an old debt he had with the Halifax before I was even with him. This was an unsecured loan and the balance on the claim forms is £11,000. We did make some payments to them last year for £25.00 a month however these were coming from my account and when they started demanding that I increase the payments, sell my car etc I told them to get stuffed it wasn't my debt etc etc. We were receiving upwards of 25, yes really 25 calls a day from this company eventually I changed my telephone number and made it ex directory so these ceased. We have heard not a thing from them since until this court summons landed on the doorstep. Obviously after reading through these posts I intend to defend this to the best of my abilities. I just have a few concerns that I would be really grateful if someone could help me with. Obviously my papers need to be filed back asap as well as you only get 14 days and I have had them a few days already. Please help

 

1. How do I word the defence form? I know that I need to mention that I don;t believe the ownership of the debt is substantiated and require proof that there is an agreement but how do I say this, do I need to add any more?

2. I believe the reason they are persuing us is because we own our own home, however this debt was before I took on the mortgage with my partner and is in both our names and I have 3 children. Can they force us to sell our property for a debt that isn't mine? If this was an unsecured loan how can they now do this?

 

Thank you

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First of all DON'T PANIC.

 

Next you MUST ensure that you acknowledge service, you can do this online as this is no doubt a MCOL claim.

I'd do that today to get it out of the way.

That then gives you 28 days from date of service, to file a defence.

To that end you MUST get as much information from these "people" as possible.

 

Fire this off guaranteed next day deliver.

 

REQUEST FOR INFORMATION UNDER THE CIVIL PROCEDURE RULES.

 

Dear Sir/Madam,

 

I have received the Court claim filed by your Company. To enable me to file a defence and counter-claim, I require specific information regarding the account to be provided forthwith. Given that this matter is now the subject of legal proceedings, you are obliged to disclose under the Civil Procedure Rules, the information and documents detailed below. This letter supersedes the Data Protection request made to on the 24th April. The information must be furnished by the 22nd May 2007, which gives you ten days to provide what has been requested. If you fail to comply, this will be reported to the Court, a copy of this letter will be provided as evidence to the same and an Order enforcing your compliance will be sought.

 

1. A true copy of the executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. All records you hold on me relevant to this case, including but not limited to:

a. A transcript of all transactions, including charges, fees, interest, repayments and payments and both the original amount of the loan and any repayments made to it the account.

b. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations

c. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with Barclaycard.

d. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

e. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

f. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

g. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

h. A genuine copy of any deed of assignment, or proof that you have a legal right to this money.

i. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

j. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

 

3. Any other documents you seek to rely on in court.

4. A copy of your complaints procedure, as required by the Consumer Credit Act 2006.

5. Clarification of the date you acquired the debt, what organisation you acquired it from, their registered office, their company number (if any) and what legal title they had to this debt, and what credit license number they had at the time that the debt was purchased or entered into.

 

I will require this information within the next ten days. I must advise you that if the information is not forthcoming, it will be reported to the Court that you are trying to frustrate proceedings and denying me the opportunity to file a defence and counter claim.

 

I would appreciate your due diligence in this matter.

 

I await your rapid response.

 

Yours Faithfully,

 

 

You'll need to edit it for you're own dates, etc.

This gives them official notice that you require everything to mount a defence.

 

Good luck, we'll be watching.

Be VERY careful whose advice you listen too

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Hi Nitrous,

 

The Claimant is Capquest Investments Ltd, Address for sending documents is HL Legal & Collections and defendant my partner. The only other writing on the form is the Particulars of Claim and this states the following:

 

Monies due under regulated Credit Agreement number *********. Between HBOS plc and the Defendant which was assigned to the claimant. The Agreement terminated upon the Defendants failure to comly with the terms of the Agreement and/or the statutory Notice of Default served by HBOS plc. The Claimant seeks interest pursuant to section 69 of the County Court Act 1984 at the rate of 8% per annum from the date of issue continuing at the daily rate of 2.52. Any payments or queries should be directed to the claimant on: 0870 0843533 (phone) or 0870 084 2570 (Fax) 0r Email: [email protected]

 

Any further help will be much appreciated.

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Nice POC there..... NOT.

So that gives you full grounds under CPR 8.5, disclosure of documents.

These claims are designed to scare people and ensure that they get a default judgement.

 

Thanks that gives me a bit more courage against them!!! I have posted the letter requesting disclosure today.....guaranteed delivery I will be back on with loads more questions when I receive their reponse thank you

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  • 2 weeks later...

Ok guys, a bit past the ten day mark I gave them but have been away. Needless to say I have had no response from Capquest not even an acknowledgement of my letter which was sent the 5th and have have proof of Guaranteed delivery, after checking the royal mail website this was delivered on the 6th. I now have to prepare my defence how do I word this and what do I need to do now? Any help greatly appreciated.

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WOW what a great set of POCs (NOT):D

 

if you need any help with the defence att his late stage, let us know

 

also if you need any otehr help or guidance just shout

 

as Ben said these claims are to merely scare you into paying, thats my opinion anyway, as the particulars are so vague they really do not disclose enough info so if they were silly enough to take them to trial anyone with an ounce of legal nouse will pull them apart

 

regards

paul

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  • 2 weeks later...
  • 1 month later...

Right guys need your help again, I have had no response from Capquest and my request, so now need to know what the next step is in relation to making a complaint that they have failed to respond to my prove it letter.

 

Also I have now received 'Notice that a Defence Has Been Filed Form' and allocation questionnaire and require desperate help unsure how to fill form in and what I should put feel that may be I am out of my depth a bit here now...............please hep I have to return this by the 1st February.

 

Thank you

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