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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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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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hsbc credit card


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Hiya loc and welcome to the HSBC forum :)

 

Credit card claims are much the same as any other claim, if you have been charged for late payments of exceeding your credit limit you can claim it back :)

 

Have a read of the Frequently asked questions section at the head of the forum to find out about reclaiming penalty charges.

 

To find out if your credit agreement is enforceable you need to send the bank a Consumer Credit Act section 78 request letter, they are bound by law to send you a true copy of the agreement.

 

pete

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hi ya i have sent them a cca it took the fith time for them to send it me only the fourth time they acknoledge it saying it was not my signature sent it again on the fith time sending me a letter saying they could not find credit agreement in the mean time d&g solicitors took it court and got judgement and have now got a interim charge on my house have received from d&g sols my credit agreement and i would like to know if it is enforcable

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Hiya Loc, here's a couple of threads that should answer your questions :)

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/105315-my-agreement-enforceable-useful.html

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/131982-basic-information-credit-agreement.html

 

just shout if you have any other questions and just to give you a bit of piece of mind judgments can be set aside if you can find fault with the basis the judgment was made on... so here's hoping you can find fault with your agreement :)

 

pete

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thanks but i cant find none of that stuff on my agrement its just got credit agreement my name and adrress then personal data then my signature . think i must be a bit thick but dont understand any of this.

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when i first had the card i was a single parent in a council house on income support . now my kids are at school and i dont have to leave them with a childminder i felt comfy going to work and bought my house now hsbc seem to want some of that and i feel that if i wanted a secure debt then i would av gone for a lone as it would have been cheaper. still dont understand how they can put a charge on my house please help

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thanks but i cant find none of that stuff on my agreement its just got credit agreement my name and address then personal data then my signature . think i must be a bit thick but don't understand any of this.

 

Hiya Loc, don't worry its confusing to start with :) what have DG sent you?

 

Is it your original application form for the credit card that you signed to get the card?

 

Does the form they have sent you have any terms and conditions on it?

 

let us know a bit more information and we can advise you what to do :)

 

pete

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Well done Loc :)

 

Although this is headed Credit Card Agreement it looks more like an application form to me but it is still very fuzzy :rolleyes:.

 

Do any of the terms and conditions have the following?:

  • Anything stating how you are to make the repayments under the agreement?
  • Anything stating the rate of interest to be applied to the credit issued under the agreement
  • Anything stating your credit limit?

If it doesn't contain all three its not enforceable.

 

pete

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Then the debt is unenforceable and your CCJ should be set aside let alone the charging orders. have a read of this thread

 

National Debtline England & Wales | Debt Advice | Factsheet 12 How To Set Aside A Judgment In The County Court

 

then come back and ask us about the bits you don't understand :)

 

by the way how are you at talking in a formal situation? can you put your side of the argument clearly to a judge or would you get flustered? :)

 

pete

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have been on national debtline dont understand most of it :confused: and as far as i know i have no ccj just the interim charge on my house and i am not at all good in front of a judge :o

 

There MUST be a CCJ if there is an interim charge. I assume it is a default judgment which means that it was never contested. You may be able to set it aside if you have a reasonable ground which the unenforceability argument could well be.

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Thank you Sequenci, thats what I thought but wasn't sure, I owe you a pint :).

 

loc, you have six days to put together a document which proves your Credit Card Agreement does not comply with the requirements of the Consumer Credit Act and is therefore unenforceable and on those grounds you must request the banks application for a charging order is refused and the CCJ you have against you is set aside.

 

All of the information you need is in the national debt line page I posted earlier but if you feel you are unable to do this yourself I think you should make an urgent appointment to see your local Citizens Advice Bureau, the sooner you can do this the better and defiantly before your court appearance on Friday.

 

pete

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well went court today and i must say i think the judge must hav shares in hsbc as i walked in the room she said i was lucky to as i was late ( i was infact there 40 mins be for the time)what a waste of time she had no interest in anything i had to say d&g solicitor was in the room already and the judge said we have not been discussing your case think she made her mind up before i went in as she put the charge on my house anyway and told me to try to have it set aside but dont stand much of a chance as i borrowed the money so i have to pay it back felt like i was in the head teachers room .... so how do i try and hav this set aside and and would i be able to ask for a different judge as she said iv done 50 or 60 charging orders today her words to me were did u borrow money i said yes she said then u hav to pay it back dont think they will make u sell yur house for £4000 making the order u can go that was the jist of it WHAT A BIT*H dont no if i can swear any one with a bit of help please what should i do now

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Well done loc :) it takes some nerve to walk into a situation like that and it sounds like you tried to get your points across, unfortunately there is nothing you can do if your judge is not interested in what you are saying :cool:.

 

I think you should phone the National Debt Line (the number is on the link below) and go and discuss your situation with them :). They employ legally trained advisor's who will give you advice for free and will be able to look at your case and the documents you have received and give you honest and unbiased advice :).

 

National Debtline England & Wales, for FREE CONFIDENTIAL and INDEPENDENT ADVICE call 0808 808 4000

 

Good luck and keep us posted

 

pete

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What an absolute FARCE

 

but i must say,im not surprised that the judge took that stance and i am guessing that you didnt put forward any case law to support your reasons as to why the law says you should not pay back the money etc,

 

many judges cannot get their heads around the fact that an unenforceable credit agreement means no repayments

 

you would now need to look at getting the judgment set aside, you would need a good reason and would need to make a strong application supporting it

 

 

was todays case a application to set aside the previous judgment? or was it their application for a final charge over the house?

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