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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
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zhanzhibar vs Link financial ***WON***


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Hi all,

 

Thought I started a new thread here since Link Financial has issued me with a POC which is below:

 

CCF28102008_00000-1.jpg

 

This is my original thread http://www.consumeractiongroup.co.uk/forum/other-institutions/123744-link-financial-ge-money.html

 

Cut long story short I have a loan with GE Money who has now sold the debt to Link Financial. I tried to negotiate a proposed payment with them but Link Financial said I could pay the amount I proposed but it will not make a dent as they are not stopping the interest. Link Financial has been very harassing in their approach. they even told me to get more loan to pay them :eek:

 

I have queries which I am hoping the expert in this forum could help me;

 

1) Now that Link Financial has bought the debt, can I do CPR 31.4 to Link Financial asking for info that make the basis of their claim.I did receive a copy of the agreement from GE MOney but not Link Financial?

 

2) I do acknowledge some of the debt but not all of it. Although I don't know the actual amount I know it was not more than £5k butthen again they keep charging interest:confused: So my question is if I acknowledge part of the debt can I ask the court that I pay in instalment as I do not have £5k spare to pay? I did make payment to Link Financial £14.46 mthly as I said I would but they keep saying they accept it but still charging interest & therefore my payment didn't make a dent to my loan.

 

3) Or should I just defend this case in court so that I could pay in instalment to what I coud afford? Also because the POC thatthey submit does not follow CPR?

 

Would appreciate some help on this as I have to acknowledge this claim soon

Edited by zhanzhibar
take out p/w
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As to whether you defend part or all, that is a decision only you can make...as to the judgment, the judge will only order you to pay what you can afford....

 

Certainly if it was in your position I would make the CPR request.....for the assignment, default and agreement...

 

Dear Sir,

 

Re: (Claimant's name) v (Your name) Case No:

 

CPR 31.14 Request

 

On (date) I received the Claim Form in this case issued by you out of the (Name) County Court.

 

I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest all of your claim.

 

Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of [each of the following / the] document(s) mentioned in your Particulars of Claim:

1 the agreement. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached.

 

2 the assignment

 

3 the default notice

 

Your client should ensure compliance with its CPR 31 duties and ensure that the documents I have requested are copied to and received by me within 7 days of receiving this letter. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case.

 

Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party.

 

In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request.

 

If you require more time in which to comply with this request you must tell me in writing. You must tell me before the time for compliance with this request has expired. In telling me you require more time you must tell me what steps you have taken and propose to take in order to comply with this request and also state a date by when you will comply with this request. In addition your statement must be accompanied with a statement that you agree to an extension of the time for me to file my defence. Your extension of time must be not less than 14 days from the date when you say you will have complied with my request and you must state the new date for filing my defence.

 

If you are unable to comply with this request and believe that you will never be able to comply with this request you must tell me in writing.

Please note that if you should fail to comply with this request, fail to request more time or fail to agree to an extension of time for the filing of my defence, I will make an application to the court for an order that the proceedings be struck out or stayed for non-compliance and a summary costs order.

 

I do hope this will not be necessary and look forward to hearing from you.

 

yours faithfully

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If you only defend part of it they will gain Summary Judgement you have to defend all of it.Send 42nds CPR request spl delivery dont sign it and also send a seperate Sec 78 request sharpish I assure you they will default before you submit your defence.

 

Regards

 

Andy;)

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If you only defend part of it they will gain Summary Judgement you have to defend all of it.Send 42nds CPR request spl delivery dont sign it and also send a seperate Sec 78 request sharpish I assure you they will default before you submit your defence.

 

Regards

 

Andy;)

 

Thanks Andy. I have defended all claim online & will be sending the letter as drafted by 42man to them tomoorrow. Sorry about this but what is sec 78 request?

 

Zan

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Consumer Credit (Prescribed Periods for Giving Information) Regulations

1983 (SI 1983/1569)

2 Prescribed period

The period of 12 working days is hereby prescribed for the purposes of each provision of the Act specified in Column 1

of the Schedule to these Regulations relating to the duty indicated in Column 2 in relation to regulated agreements

 

 

SCHEDULE

SECTIONS OF THE ACT IN RESPECT OF WHICH A PERIOD OF 12 WORKING DAYS IS PRESCRIBED RELATING TO DUTIES IN

RELATION TO REGULATED AGREEMENTS

Regulation 2

Section of the

Act

Duty

(1) (2)

77(1) Duty to give information to debtor under fixed-sum credit agreement.

78(1) Duty to give information to debtor under running-account credit agreement.

79(1) Duty to give information to hirer under consumer hire agreement.

and section 78 for running credit

 

 

78.

Duty to give information to debtor under running-account credit agreement.

— (1) The creditor under a regulated agreement for running-account credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of [F1 £1], shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor showing, according to the information to which it is practicable for him to refer,—

(a)

the state of the account, and

 

(b)

the amount, if any currently payable under the agreement by the debtor to the creditor, and

 

©

the amounts and due dates of any payments which, if the debtor does not draw further on the account, will later become payable under the agreement by the debtor to the creditor.

 

 

(2) If the creditor possesses insufficient information to enable him to ascertain the amounts and dates mentioned in subsection (1)©, he shall be taken to comply with that paragraph if his statement under subsection (1) gives the basis on which, under the regulated agreement, they would fall to be ascertained.

 

(3) Subsection (1) does not apply to—

(a)

an agreement under which no sum is, or will or may become, payable by the debtor, or

 

(b)

a request made less than one month after a previous request under that subsection relating to the same agreement was complied with.

 

 

(4) Where running-account credit is provided under a regulated agreement, the creditor shall give the debtor statements in the prescribed form, and with the prescribed contents—

(a)

showing according to the information to which it is practicable for him to refer, the state of the account at regular intervals of not more than twelve months, and

 

(b)

where the agreement provides, in relation to specified periods, for the making of payments by the debtor, or the charging against him of interest or any other sum, showing according to the information to which it is practicable for him to refer the state of the account at the end of each of those periods during which there is any movement in the account.

 

 

(5) A statement under subsection (4) shall be given within the prescribed period after the end of the period to which the statement relates.

 

(6) If the creditor under an agreement fails to comply with subsection (1)—

(a)

he is not entitled, while the default continues, to enforce the agreement

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If you only defend part of it they will gain Summary Judgement you have to defend all of it.Send 42nds CPR request spl delivery dont sign it and also send a seperate Sec 78 request sharpish I assure you they will default before you submit your defence.

 

Regards

 

Andy;)

 

 

 

Hi Andy

 

Just wondering why you advise sending a seperate Sec 78 request when the agreement is included in the CPR 31.14 request. I have a similar situation to this and it would be really helpful to understand your reasoning for a seperate s78.

 

Many thanks

sc

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personally, id make an application to have the court consider striking the claim out or in the alternative making directions requiring them to submit a compliant set of particulars

 

"the loan was called in under s87" of what? the Companies Act 1985? the Police and Criminal Evidence Act 1984? there is no way you can defend such poor pleadings

 

I think that you should consider an application to the court, the court will order that they amend the claim and you should receive your costs in the process

 

their claim is utter Bullgif.jpg

Edited by pt2537
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Pete

 

:D:D that was really funny.

Thank you for discovering it & letting me know.

 

Right then, time to amend my defense as used in HFC & Amex me think.

Nah i wouldnt bother with a meaty defence to be honest, its pointless, its like swatting a fly with a cannon, absolutley no point

 

when do you need to get a defence in by?

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If my calculation is right should be by 19th November.I send the CPR31.14 yesterday. they should have it by now as it is ND delivery. Perhaps I should wait for their response considering I got a couple weeks?

 

Pete, since you are online, wonder & would appreciate very much if you could have a look at my Amex thread http://www.consumeractiongroup.co.uk/forum/legal-issues/137617-zhanzhibar-amex-aic-newman.html? I am a bit stumped on this one as it is regarding electronic agreement.Been looking around but not many have similar problem.

 

Thanks again

 

Zhan

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Hi Z

 

Who is Pete? If you mean pt, his name is Paul, but I don't suppose he'll take offence, hey Paul? ! ;)

 

Cheers

Rob

Hi Rob,

nah ive been called alot worst so no bother there, i answer to most things:D

 

Hope you are well matey and that youre not having any grief now off these DCAs

 

Regards

 

paul

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Hi Rob,

nah ive been called alot worst so no bother there, i answer to most things:D

 

Hope you are well matey and that youre not having any grief now off these DCAs

 

Regards

 

paul

 

Hi Paul

 

All quiet on the western front ATM thanks, ... well mostly ;)

 

I'm thinking about stirring one or two of 'em up though! Just waiting for the right moment!

 

Hope you're doing well.

 

Cheers

Rob

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Ooops...Sorry Paul.

 

Hi Paul

 

I'm thinking about stirring one or two of 'em up though! Just waiting for the right moment!

 

Rob

 

Hey Rob, Is this a new past time then:D? Taking on the these DCAs/vultures?

I have to say since having that letter of from Weightman... Bring them on I'd say. If only i can find similar mistakes with Amex & Link Financial coz the way they threatened me are worse than Weightman...So if I coud bring them down a bit from their high horse would be sooo satisfying. The way they treat people like us with no regards to the law is beyond belief.

 

I realised now that the law has always been there to protect us from these vultures. It's just that we normal people are ignorant about it & these vultures take advantage of that.

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Hey Rob, Is this a new past time then:D? Taking on the these DCAs/vultures? Not exactly, but like you, I'm no longer bothered by them. My quandry ATM is with Barclaycrud and CrapOne, both of which are accepting small token payments, but as I understand from reading these forums, there is a good chance that neither have enforceable agreements.

BC have been accepting a total of £7.06 for approx 15-16 months now spread over 3 accounts (quite a fortunate achievement on my part judging by some other CAGgers experience), whilst CO are accepting £3.68 spread over 2 accounts.

The 2 CO accounts have recently been subject to a 'review', and whilst my partners account has been given another 12 months, they are yet to do the same to mine. Once (if) they do so, then I will be CCA'ing both accounts. I suppose I could do hers now, but I was hoping to do both together.

If BC decide to start playing silly burgers then I will CCA those accounts also, but ATM I don't want to cut off my nose to spite my face, although it is very tempting.

I have to say since having that letter of from Weightman... Bring them on I'd say. If only i can find similar mistakes with Amex & Link Financial coz the way they threatened me are worse than Weightman...So if I coud bring them down a bit from their high horse would be sooo satisfying. The way they treat people like us with no regards to the law is beyond belief.

 

I realised now that the law has always been there to protect us from these vultures. It's just that we normal people are ignorant about it & these vultures take advantage of that. That's the power and the beauty of finding CAG. :) Unfortunately there are far too many people out there who will never be quite so lucky as you and I and everyone else on here. :mad:

 

Cheers

Rob

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Hi Rob,

 

I also have an agreed token payment of £37 mthly with Mercer/Barclaycard since last year. Did ask for a CCA last year, received an application form but since interest is freeze & also because WEightman,Link & Amex have been on my back harassing me constantly, i thought i'd deal with them 1st.

 

Nah i wouldnt bother with a meaty defence to be honest, its pointless, its like swatting a fly with a cannon, absolutley no point

 

when do you need to get a defence in by?

 

HI Paul, what do u mean by not to bother with a meaty defense coz I only know one kind of defense :) i.e the one u prep me up in weightman case?

 

Cheers

 

zhan

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Hi all,

 

Send the CPR 31.14 letter (via ND b4 1pm delivery) as suggested by 42man on post#2 above on 30th Oct. They have received it but didn't response. Today is the 8th day if my calc is right so I am entitled to put a defense against the claim asking it to be struck out due to non-compliance, am i not?

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  • 2 weeks later...

Hi all,

Up date on what's been happening as the children & I have been ill for the week. Just as i was mulling over whether to send the Form N244, received a letter from asset link dated 4th November (but received on the 9th November...strange!) that merely stated:

"We write in relation to your letter dated 30th October 2008 and can confirm that we have requested the document from the original creditor and we will forward them onto you as soon as we receive the same"

I am currently preparing defense & am using one of PT's excellent defense. I like to include this non-compliance of CPR 31.14 in my defense but not sure how, can anybody help me pls?

 

zhan

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This is a standard defence when the CPR hasn't been responded to -

 

Draft / Defence

 

1 The Defendant denies ever having been indebted to xxxxxx and denies credit has ever been advanced to him/her by XXXXX.

 

2 The Defendant repeats paragraph 1 of his/her Defence and denies a debt was and/or was capable of assignment by XXXX to the Claimant.

 

3 The Claimant's claim to be entitled to £XXXXX for debt, to statutory interest or to any monetary or other relief of any kind is denied.

 

I BELIEVE THE FACTS SET OUT IN THIS DEFENCE ARE TRUE

 

Signed:

 

Dated:

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  • 3 weeks later...

Hi evrybody,

 

I submit my defense on the 17th November.Today I received a letter from AL (Asset Link) & several other docs which i attached here.

CCF04122008_00000-1-1.jpg

 

 

CCF04122008_00000-1.jpg

 

I have a bit of a problem trying to put the other letter where they told me to sign admitting that I do owe them so that they can called for a judgement against me.

 

So here is my dilemma:

 

As you can see from the letter I did offer them what I can afford based on all other debts I have after deducting whole family expenses but they didn't accept it but i keep paying them as they are aware. So what do i do now?

Do I now sign this letter (which i will put up here as soon as I can) which give consent to them to ask for a judgement against me which i don't think i want to do or fight this all the way & hopefully the judge will say to me to pay what I can as offered to them initially?

 

Can anybody help please?

 

zan in a BIG :confused::confused::confused: Dilemma

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subscribing

Lowell Financial (Monument) No CCA - File Closed ** WON**:D

1st Credit (Citi Financial) No CCA - Credit Report Marked 'Satisfied' ** WON **:D

American Express No CCA - Pending

RBS Mint No CCA - Pending

CL Finance (Morgan Stanley) No CCA - In Court:eek:

HSBC - No CCA - In Court:eek:

Link Financial (MBNA) No CCA - Pending

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As to whether you defend part or all, that is a decision only you can make...as to the judgment, the judge will only order you to pay what you can afford....

 

Certainly if it was in your position I would make the CPR request.....for the assignment, default and agreement...

 

Dear Sir,

 

Re: (Claimant's name) v (Your name) Case No:

 

CPR 31.14 Request

 

On (date) I received the Claim Form in this case issued by you out of the (Name) County Court.

 

I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest all of your claim.

 

Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of [each of the following / the] document(s) mentioned in your Particulars of Claim:

1 the agreement. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached.

 

2 the assignment

 

3 the default notice They never sent me this...

 

Your client should ensure compliance with its CPR 31 duties and ensure that the documents I have requested are copied to and received by me within 7 days of receiving this letter. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case.

 

Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party.

 

In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request.

 

If you require more time in which to comply with this request you must tell me in writing. You must tell me before the time for compliance with this request has expired. In telling me you require more time you must tell me what steps you have taken and propose to take in order to comply with this request and also state a date by when you will comply with this request. In addition your statement must be accompanied with a statement that you agree to an extension of the time for me to file my defence. Your extension of time must be not less than 14 days from the date when you say you will have complied with my request and you must state the new date for filing my defence.

 

If you are unable to comply with this request and believe that you will never be able to comply with this request you must tell me in writing.

Please note that if you should fail to comply with this request, fail to request more time or fail to agree to an extension of time for the filing of my defence, I will make an application to the court for an order that the proceedings be struck out or stayed for non-compliance and a summary costs order.

 

I do hope this will not be necessary and look forward to hearing from you.

 

yours faithfully

 

Folks

 

Having read through all my correspondence with AL including the one they just sent me I noticed that I never received any DN from them. Since i sent them the CPR 31.14 on 30th October and specifically mentioned that I requested the DN & they didn't comply, what should i do now?

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Hi Zhan

 

Did GE Money ever send you one?

 

Regards

 

Andy

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