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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim 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.
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Interim Order / Order For Sale


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Hi, Help please.

 

HLCF are trying to get an Order For Sale against my house in the new year, after obtaining an Interim Order in January. I have found an old letter saying that due to the age of the debt the agreement has been lost by Barclays.

Does this help me to fight it, if not what is the best advice available.

Cheers

Angelspirit

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Has a ccj been granted? What kind of debt is it?

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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Can you give us some more background on this please? What are the Particulars Of Claim?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi more info,

Barclays issued a default notice on a loan (unsercured) in January 1999, in Februaury 1999 they closed the account. The last payment was to the debt recovery unit in 2002.

In January 2006 they sold the debt to HLCF and Booker Management were looking after the account for them, this is when I recieved a letter stating "due to the passage of time, Barclays are unable to supply a copy of the loan agreement".

In November 2006 a judgement was granted, and in April 2007 an application for a charging order and an Interim charging order was made.

I contacted the HLCF at this time but they would only accept the full payment, which I wasn't in a position to do.

On recieving the papers for the court hearing in January 2008 I contacted them and offered to pay £300 a month and they declined, and I have the letter stating this.

The debt is £2200+ latest charges.

Regards

Angelspirit

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Hi,

Yes taking another look, in April it was a final charging order that was raised.

I have taken the template available on this site for "request for information", due to they have admitted no credit agreement is available. My thought last night was to try this!

 

If I start making the payments and continue between now and the court case, would this not be used against me as "admitting the debt".

 

Incidently part of me is saying go for it and if the Judge chooses to go with the claiment, what is the normal scenario, ie. does the Judge grant the sale but gives you a month to pay first.

 

Regards

Angelspirit

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at this stage it is going to be very difficult to stop the final charging order unless you have a very good reason to stop it being made final.

 

is there anyway you can challenge the original judgment (i.e. unlawful charges)?

 

do you have any grounds to oppose the making of thew final order?

 

HOW CAN I STOP A CHARGING ORDER?

 

The court must consider whether it is reasonable to make a charging order. Under the Charging Orders Act 1979 the court has to consider all the circumstances of the case and in particular:

  • the personal circumstances of 'the debtor';
  • whether any creditor would be 'unduly prejudiced'. This means the court has to decide if making a charging order would disadvantage other creditors.

The arguments you can use against the order being made will vary depending on your circumstances, whether you have any other debts, whether you have equity in your house and own your home in joint names or on your own.

 

These are some of the factors that the court may consider.

  • Does any member of your family have a disability or serious illness?
  • If you have a number of debts and making a charging order in favour of one creditor would give them unfair priority over the other unsecured creditors. It is particularly useful if you can show you already have a payment arrangement in place with your other creditors. This would be upset by an order being made. Point out if any of the debts are larger than this debt and if any other creditors have frozen the interest.
  • Your creditor is supposed to list all the other creditors that they are aware of in the application for an interim charging order.
  • The court can order the interim order to be sent to the other known creditors but does not have to do this. This means that creditors who may want to object to the final charging order being made will not know about the hearing. You can raise this in your written objections and at the hearing if you think a creditor may be 'unduly prejudiced' by the charging order being made.
  • Could the creditor have given you a secured loan when you first took out the loan? If they decided to offer an unsecured loan instead, this could be particularly relevant if you have other unsecured creditors who may be disadvantaged by a charging order being made.
  • There are other ways the court could enforce payment of the debt. You could ask the court to make an instalment order so you make monthly payments you can afford, or an attachment of earnings order so that the instalments would come directly from your wages. This is only useful if you are employed and your employment would not be at risk.

?

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Guest Jules_69

In April you had a final charging order registered on your property to the sum of £2200 ? Is that correct ?

 

Have you made any payments in the meantime - £300 a month is a large payment against £2200.

 

If you have formally offered £300 a month there is no way I can see a judge giving a sale order.

 

We need to know step by step as thigs seem a little confused at the moment.

 

Forget the Credit Agreement - you have a CCJ so the debt is enforced by order of the court.

 

Jan 2007 - claim against you interim charging order granted - Was there a forthwith or installment order made by the court - do you have this paperwork from the court following the initial claim ?

 

April 2007 - Final Charging order granted - do you have this paperwork from court and land registry ?? Have you made any payments ?

 

Jan 2008 -Sale Order hearing - what paperwork do you have that points to this hearing ?

 

If you can scan in or type out any of the wording on these letters - or if you dont have them ask the court for copies.

 

We need to know the cicumstances under which the final charging order was granted.

 

If there is a Sale Order application - and you had been allowed to pay by installments and not done so - then I would start paying so as not to lose your house.

 

A letter to the court and to the creditor will be in order.

 

Please let us know as much information as you can.

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Guest Jules_69
I thought this was about an order of sale not a final charging order?

 

The final charging order will have already been made

 

It is, as far as we can tell.

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I thought this was about an order of sale not a final charging order?

 

The final charging order will have already been made

 

excuse me.

 

Well, orders for sale are VERY rare. A court would only consider one if it is reasonable to do so.

 

Before I go on, Is the house owned by yourself or is it in joint names with someone else?

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Guest Jules_69

April 2007 - Final Charging order granted - do you have this paperwork from court and land registry ?? Have you made any payments ?

 

Jan 2008 -Sale Order hearing - what paperwork do you have that points to this hearing ?

 

 

from post above.Theres a few more questions on there too which we need answering to get a clearer picture of where you are at.

 

Try not to worry :)

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