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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 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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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GMAC Car Finance


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Here's the rest of the docs:

 

Picture005.jpg

 

Picture004.jpg

 

Picture003.jpg

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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dc.jpg

 

Well according to DualCalc, something isnt right as the total amount payable based upon those repayments means that the total amount payable is £9832.80 not £10682.80 as the agreements states so i think they are in the brown smelly stuff, if im correct that is

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Well according to DualCalc, something isnt right as the total amount payable based upon those repayments means that the total amount payable is £9832.80 not £10682.80 as the agreements states so i think they are in the brown smelly stuff, if im correct that is

 

What would you advise I do from here? Not been in this situation before so I am unfortunately naive and clueless!

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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Hang on, you mention PPI but its not included in the agreement anywhere, plus the Total amount payable seems to be all over the place too,

 

if you can bear with me, i would like to get a second opinion on this

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Ok will do - thank you, appreciate all your help immensely. :D

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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Just out of interest.. why should you never sign a letter to a DCA?

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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It has been suggested that they could use your signature fraudulently so if you dont sign then they cant do it

 

 

can you just confirm, where in the agreement does it show the payments for the PPI? i cant see it anywhere apart from the tick in the box

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It has been suggested that they could use your signature fraudulently so if you dont sign then they cant do it

 

 

can you just confirm, where in the agreement does it show the payments for the PPI? i cant see it anywhere apart from the tick in the box

 

The only payments I have seen for the cost of the PPI is on the default notice that got sent where it says I am in arrears..

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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pt

 

I checked the calcs - £7100 paid by 60 x £163.88 is 14.5% APR. You are correct that total payable shown on page 8 (post #26) is wrong (but it is not a prescribed term).

 

TCC on page 7 is correct (£2732.80) but I've no idea what the 7.1% interest is supposed to be.

 

As you say, PPI is conspicuous by its absence.

 

PPI is only mentioned on the page in post #15 (also page 8 as it happens:confused: and the only page with a signature) and no charges appear anywhere.

 

This 'agreement' is a right old muddle.

 

Going back to basics - can they claim a "document signed by the debtor (...) and containing the prescribed terms" - 'cos I can't see it!

Edited by steven4064
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Ok well, providing that what you have posted is the full document

 

im gonna stick my neck out and say in my opinion it is unenforceable as it has incorrect amount of repayments

 

to repay a sum of £10682 the repayments would need to be £178 per month not the repayments that it says on the agreement

 

also the agreement is improperly executed as it is not signed by the lender and as a result they cannot enforce it without a court order, and they are IMHO unlikely to get a court order as the prescribed terms are misstated

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What should I do then - write to them telling them the agreement is unenforceable and requesting my money back? What would you advise?

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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Hi,

 

Right bear with us, i would like to ensure that we have this right, the last thing i want to do is give you the wrong info. so i want to go over the regulations just to double check for my own peace of mind

 

leave it with us and we will post up a suggestion letter to send them

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Ok thank you, while you are doing that I will triple check I have no more documents from them! Appreciate all your help :)

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

Link to post
Share on other sites

couldn't locate any other documents so I will wait with anticipation for your reply!!

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

Link to post
Share on other sites

Received a letter from the saying that I need to take the PPI query up with the garage and that the default still stands - even though I haven't defaulted!! help please!

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

Link to post
Share on other sites

How does this sound and have I got everything right?

 

Dear Sir,

I am in receipt of your final response letter and it does not seem to resolve any of the queries I have raised so I will include extra information for your consideration.

Enclosed is a section of the CCA – you will see that where PPI is mentioned there is no cost.

Yet on the default you issued on 21 May 2008 it says I am in arrears for PPI, can you please justify why I am paying for this if on the CCA it says there is no cost.

Also on closer inspection of the CCA the figures do not add up, to repay a sum of £10682.80 the repayments would need to be £178 per month not the repayments that it says on the agreement. Something is not right as the total amount payable based upon those repayments means that the total amount payable is £9832.80 not £10682.80 as the agreements states.

I expect to be reimbursed in full for the cost of the PPI or I will be asking the FOS to investigate this matter, as I believe I have been unlawfully deprived of money.

Also, you have not justified your reasoning for the second default notice you have enforced, I would like you to reconsider this as I have not defaulted under the payments agreed with Close Assistance.

Yours sincerely

adzya Versus:

 

Nationwide Bank Charges & Loan PPI

Amazon.co.uk/Halifax Charges

Cr@pitall One Charges and PPI

First Direct Bank Charges

Vanquis Visa Charges

GMAC Default notice & PPI

Halifax Bank Charges - S.A.R Request To Be Sent.. Switching Accounts First! ;)

 

Hope I provide useful info and help, if I do please feel free to tip my scales!

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