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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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    • We have finally managed to obtain the transcript of this case.

      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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Hello All I'm Looking for some advice


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I have stumbled upson this forum having having some problems with HFO Services who now claim they own my barclay card i havve been advised to send a cca letter to them which i will tomorrow after work

 

But the question i have is that im currently looking into an IVA to clear the debt i owe but i have noticed on the forums thats people do not reccomend this. I was wondering if bankcruptcy would be the way to go here is what i owe and i just cant afford to pay anything off as im on a minimun wage job

 

£338 (capitol one) now with cabot

£900 (Barclay card) Now with HFO Services and been threatened with court had nast call from them yesterday said they sending forms to the court

£450 (NatWest)

£550 (Vodaphone)

£25200 ( HSBC Managed load ACCOUNT) Currently paying £210 per month to them

 

does anyone have any advice for me please as im really stressig out about the situation and its causing problems with my relationship

 

your help would be greatly apriciated

 

kind regard's

 

John

Edited by johnhorton79
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Hi, John.

 

I'll move this thread to the Debt Collectors Industry Forum.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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First of all John, write to all your creditors and offer them a token payment of say £5 a month, or whatever you feel you can easily afford. They won't like it, and will try to make excuses/threats etc. But they have o accept what you offer. But Cancel all direct debits to them, and pay by postal order or cheque instead. As soon as they cash the cheque/postal order, then they have accepted your offer. Paying by cheque/postal order means that way they cannot help themselves to the usual amount from your bank account. Also if you wish you can ask them for details so you can se up a standing order from your current account. You set the amount and they cannot get more unless you go to your bank and change the amounts paid yourself.

Also change your bank account if the account is by the same bank as one of your creditors.

 

Next, send CCA requests to any that are loans,credit cards. As there's a good chance they wil be unenforceable. Especially BArclaycard. They are well known for sending application forms as CCA's and are totaly unenforceable.

 

Also, never speak to them on the phone. If they ring, say, "Sorry I require all communication to be in writing only."

 

When you've done all that. Sit back and relax, knowing there's a huge weight off your mind. Less strain on your relationship. Keep us posted on this thread when you get a reply from them. And we can tell you what to do next.

 

Good luck. :D

  • Haha 1

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Hi John,

I think Fuzzybobble's advice is excellent. Everyone here can identify with your stress, but you really will find that once you tackle the problem as suggested, then you'll feel a whole lot better.

When you get round to sending the CCA requests, be sure not ro sign the letters, just type your name at the bottom. That way nothing dodgy can be done with your signature.

Please keep in touch with updates and you'll find lots of support and encouragement here.

Best wishes, Patma

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i havent had chance to post the letter yet just been so busy with work but off on friday so will do it then

 

had a call today from hfo services(who today said they had sent the forms to the courts for a charging order

this has me very very worried as its not my house the house is the girlfriends its her morgage

 

any ideas guys??

 

please help im really worrying about this

Edited by johnhorton79
missed points
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Then they can't do it. If the house is not in your name, they cannot possibly get any sort of order on it.

 

They are scaremongerers and will say anything to get you to give them money.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Also, never speak to them on the phone. If they ring, say, "Sorry I require all communication to be in writing only."

 

/quote]

 

Listen to FB. One of the best pieces of advice I ever received. They won't make misleading/incorrect threats in writing, so will save you a lot of unecessary stress. :)

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i havent had chance to post the letter yet just been so busy with work but off on friday so will do it then

 

had a call today from hfo services(who today said they had sent the forms to the courts for a charging order

 

this has me very very worried as its not my house the house is the girlfriends its her morgage

 

any ideas guys??

 

please help im really worrying about this

 

Don't talk to them on the phone. Don't give information. They can't do that. Hopefully they will repeat that in writing!

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I would try the CCA option first. You may get lucky and none of them being able to enforce any of the debts that require a CCA.

 

Going bankrupt should be an absolute last resort choice. It's not as easy way out as a lot of people seem to think.

 

If you send a private message to BabyBear on here, she's gone down the bankruptsy road and may be able to advise you.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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i have sent the CCA form in the post to hfo services today but as i stated they calle3d last week saying forms have been sent to court for a charging order however like i have stated the house is my girlfriends ands its her moragage im just really worrying about this all and dont know what to do about it

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Hi John - they wont get far getting a charging order for a debt in your name on a house in another, really dont worry about them trying to scare you this way.

 

The largest debt it seems you are paying, can you continue to pay this as normal?

 

With the others going to the CCCS or someone similar (CAB) and getting them to deal with DCA's will help you. Write a letter and state you are going through a third party who will be contact with them shortly.

 

If you do pay by standing order bear in mind that only YOU can control how much money is taken and when, as opposed to Direct debit when the company more or less does (though shouldnt be without your agreement). A direct debit you can cancel at any time!

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i am 5.5 payments behind for hsbc managed loan and wont be able to make this months payment of 210 which will then default it and then pass on to debt collection agecy i really do not know what to do

 

i have spoke to hsbc and asked them to restucture my managed loan but they have refused to do it

 

sorry for being dumb but what is CCCS AND CAB

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