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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.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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Tilly V mortgage express repo


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Tills, you can take them up on their offer of a FREE valuation, but I'd have a seperate valuation done so you know exactly how much (if anything) you are giving up. Problem with the 75% situation, is that more and more analysts are predicting a downturn, some as much as 40%, so these companies may use that to justify a lower offer. Stay on your toes Lady.

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Hi Tilly, i'm still around and full of admiration. I made enquiries with one of these companies a couple of years ago. I was certainly shocked at how little they offered. I suspect your gut instinct to be wary is right, but it's not worth leaving any stone unturned in this situation.

 

As an extreme long shot, i'm still hoping one of us will win the lottery :rolleyes:

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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TILLY, PLEASE DON'T DO IT!!!!

I've been having a bit of a search, & I found this A Dangerous way to get out of DebtBasically it tells you that it's a WIN-WIN situation for them, & a NO-WIN situation for you. Please read the article before you commit to anything, & please be very careful around these companies, it seems as though they're like vultures towards people who are desperate to sell as quickly as possible.

 

Has anyone turned stone the right way up yet?

Edited by ja-de

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Hi Jade

 

Thanks flower, believe me i don't intend to commit to anything, :rolleyes: like hopefull said my gut instict tells me know. But thankyou for the link.

 

 

Tills

 

 

Ps stone is now up the right way

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It must be lets get stone day again.

 

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Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

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Jade your right, and i hope many posts on this thread will be helpfull to many people that find there selves in a simular situation.

 

 

 

 

 

 

 

 

peeps stop picking on stone :confused::D

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I was offered one of these and they took so long to get sorted out it didn't work out.

 

It is almost impossible to have a win-win situation for the home owner when repossession is instigated (and it isn't always as a last resort as they keep trying to tell you - one missed payment is all it takes these days - and there is plenty of evidence to support that about).

 

What would be sensible is for the mortgage lenders to have a scheme where they buy 25% of the NORMAL value of your home and that way everybody wins... you have some cash to pay off the arrears, and they could possibly keep the rest for three to six months before releasing the balance to you... what do other people think?

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Hi sg, I've heard of it many times in the past, where you 'Buy 2 Rent', but I don't think it applies to Tilly's case, as unfortunately I honestly don't think that the mortgage lenders would even contemplate (big word for me this early on Sunday) going down that road, now or in the future. Lets face it, they're far too busy trying to take all our money as it is. But I must agree with you, it's a reasonably good idea.

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Just a thought Tils, Have you tried your local housing assn ? a couple in my area have been known to buy ex council houses back from the owners and leave them as sitting tenants when their local stock of properties has been low for peeps in similar situs to to yours.

=======================================================================================================

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Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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To be honest guys, with a view to my current situation, i dont think i want to stay here any longer than i have too now, thats does'nt mean im giving up what i mean is staying until hopefully sell the house or get told leave. So i think the sell to rent is a non starter anyway.

Edited by **Tilly**
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I totally understand what you're saying Tills, in the light of everything that's happened, no-one can blame you at all.

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The housing market is so slow at the moment, i think i have seen 3 sold boards go up, but there are many for sale signs so im not alone there are loads of peeps trying to

do the same.

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Yes, unfortunately it's slow everywhere, & it won't help with all these rules & regulations they've started with. Certificates for windows, boilers, wiring, etc etc blah blah .............

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Yes, unfortunately it's slow everywhere, & it won't help with all these rules & regulations they've started with. Certificates for windows, boilers, wiring, etc etc blah blah .............

 

 

Well im on the ball there jade i have all mine :D

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I never doubted you Tills, one things for sure, no-one will manage to get one over on you hun, which is why we know that you can do this.

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Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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Morning Tilly and everyone!!

 

I will make sure the info gets to you- still pursuing, but as you say and others have said previously, this sell to rent/ rent back does not look hopeful. It is doubtfull if ME would agree to the sale at such a discounted price in any case, unfortunately. Time is also an issue.

 

Stone, the H/A option to buy has been investigated as suggested in earlier posts. It would make sense if the Housing Corporation focussed more attention on this area for people in this situation. Unfortunately, it does not look like an option in Tillys area.

 

Immediate priority needs to be N244 updated and focussing on housing/ living arrangements.

 

Take care Tilly and ask any questions as you need to.

Edited by kennythecelt
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Morning Kenny

 

Yes i agree with you on the sellt to rent, the n244 needs to be udated asap like you say being offline is not helping :evil:

The living arrangments at the moment are my daughter is going to stay with her brother, me with my sister not ideal i know, but at the moment have no choice.

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Good Luck **Lilly**

 

Our thoughts are with you.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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I have been looking at private rentals but here the rents start from 580.00 for a 1 bed flat upwards for houses, although i have sorted out other benefits, they wont give me housing benefit until im out of here :confused:

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Tilly, there is something that has crossed my mind and that is the possession order. I'm wondering if at the moment you would be able to sell the house yourself as I'm not sure if technically and legally it is yours to sell. Although you still have access to it and are living there the order came into effect on 27th May.

 

If you got enough to cover the full debt it may not be a problem. If in reality you are unlikely to cover the full debt, and as you don't want to keep the house I'm beginning to wonder if the N244 is the best way to go.

 

Being totally realistic, if you are still likely to owe ME a very large amount of money after the house as sold, I'm wondering if you may be better to look at alternative ways of clearing the debt.

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