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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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New, fedup and need lots of advice!


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Hi Everyone, im new!

 

Well ive been on a dmp for the last 2 years, reducing my debts from £18,500 to £11,500. Ive been working two jobs for as long as i can remeber to try and clear my debts. However 2 months ago I came into £5,500 through some inheritance money and I though great wow can get my life on track, do some full and final settlement letters and get debt free...Wrong :?

 

I have debts with, Lloyds Tsb (card and loan), Egg (card and loan), hitchai capital and also a small one with a dca. I wrote letters to everyone and only hitchai replied saying they had accpeted my offer (50%). So i contacted egg and lloyds tonight and have been turned down with a BIG NO, 100% or nothing. My debts arent a big enough worry for them to right off :-(. So I feel angry, im not paying interest and have another 4 years on my dmp.

 

What should i do, write again? Use my money to clear a few things or put in savings?

 

Emx

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Have you sent CCA requests to your creditors?

 

You can not CCA a loan as far as I know, But regarding your credit cards, I would CCA them and then if they can not provide a copy of your agreement, you are in a much better position to negotiate a full and final settlement with them.

 

To CCA them you need letter N in here. http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Send a £1 postal order with your request and send it either recorded or special delivery and keep your receipts as proof of posting.

:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

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Hi I am new here and I was on this forum for 5 hrs yesterday reading all of the problems, and I am amazed at the help that is on offer here, I was impressed in the way that (bobneedhelp) was nurtured through his dilema very well done to you all for helping him.

 

So here we go well some of it any way, I wont bleat on about how it happened as you dont need to know that, however I believe that I have a fair few problems, and yes I have had Jacobs, bailiffs, henchmen, rossendales, etc all at my door, not to mention the dca's (to which I either paid in full or agreed a payment plan, but wish I had'nt after finding this forum) my pressing problems and questions are as follows..

 

Firstly do I need a debt company to help me, I have used one before and became mate's with the owner and I think he just fobbed my creditors off, and that is how i got two charges on the house as I believe he did'nt act accordingly, dont know if he had licence to act on my or others behalf.

 

I have listned to talk sport (jon gaunt) and he recomends Debt wizard Mike Thomas, I called them and then a company called Bright oak called me and said they work with debt wizard, but the original person I spoke to (Jason) has now left the company and his collegue Kelly jago has not returned my calls or mails??

 

I am £1100.00 behind in a secured loan (future Mortages) and although they have been polite with there calls , they are expecting full payment of the arrears this Thursday, obviously I cant meet their demand..Any Advice?

 

I have been sent paperwork from Poole c/c for an unpaid buisiness loan/overdraft Value £4729.55 total cost etc £5636.04, Lloyds TSB , I was paying them £70.00 pm but did not make payments for several months because I could'nt afford to,how do I respond to this etc etc.

 

I have two charges on my property one by the sherriffs officer, and one from a trade supplier, can I get these looked at and do anything about them?

 

I missed a court day last week for council tax from 2 yr ago and just reading the letter is was with the intention to enforce, what will happen now and what should I do in this instance?

 

Lloyds TSB visa they sent me a default notice, then proceeded to take the money from my acc also with LIoyds , then put me into an unplanned over draft which is encuring daily charges What do I do,

 

I have various credit cards etc (so has my partner which she used to help me) which we cant afford to pay, is there anything that we can do to have them 'looked at'.

 

Ther are other matters going on in my life and I will post this when I have sorted a few things out.

 

My observations within the forums are as follows..

1.Why use the CCA method would'nt creditors see this as obstruction and delay tactics?

 

2..If you dont sign a letter is that legal correspondence?

 

3..Who do I get the postal orders made out to. re CCA or can they be left blank, and is everything done by recorded delivery?

 

4..When is it best to use CCR and S.A.R - (Subject Access Request) I cant get my head around this?

 

5..Over the last few years I have amassed copius amounts of charges from bank and CC companies can I get these back and how do I request this?

 

6..Monument visa called me and did not do security checks and proceeded to divulge info to me not knowing if i 'was me' when I challenged their decission to tell 'a stranger' my affairs they started to backtrack then take me through security I declined and they hung up ..what can I do?

 

7..What is classed as an unenforceable debt?

 

8..I have a trade supplier chasing me for 6k from about 4 yr ago they had a few £50.00 payments which was agreed, now they want to know what my plans are to pay the debt?

 

9..Am i allowed to record calls which I recieve, as some companies say they will not continue the conversation if I record..is this not agravating the situation?

 

10..My partner recieves calls and pressure at work from her CC companies 're helping me' some of them she has a payment plan, can we request a CCA or will this 'rock the boat?

 

Over all I am in a mess and my relationship is suffering and my partner is on medication for depression and I feel guilty as this is all my doing, but I want to remain possitive and move forward in finding a solution that works and where I wont be let down, and the info I am given is in my best interest , that I believe will come from this site.

 

Please help me, I may not sound distressed but believe me I am hidding my suffering from my family and it is killing me to do so, being self employed is not helping as there is hardly any work about and I am struggling to pay my monthlies not to mention the debt.

 

In a nutshell what the hell do I do and how do I do it?

 

THANK YOU IN ADVANCE.

Regards..Mr Worried :)

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Hi I am new here and I was on this forum for 5 hrs yesterday reading all of the problems, and I am amazed at the help that is on offer here, I was impressed in the way that (bobneedhelp) was nurtured through his dilema very well done to you all for helping him.

 

So here we go well some of it any way, I wont bleat on about how it happened as you dont need to know that, however I believe that I have a fair few problems, and yes I have had Jacobs, bailiffs, henchmen, rossendales, etc all at my door, not to mention the dca's (to which I either paid in full or agreed a payment plan, but wish I had'nt after finding this forum) my pressing problems and questions are as follows..

 

Firstly do I need a debt company to help me, I have used one before and became mate's with the owner and I think he just fobbed my creditors off, and that is how i got two charges on the house as I believe he did'nt act accordingly, dont know if he had licence to act on my or others behalf.

 

I have listned to talk sport (jon gaunt) and he recomends Debt wizard Mike Thomas, I called them and then a company called Bright oak called me and said they work with debt wizard, but the original person I spoke to (Jason) has now left the company and his collegue Kelly jago has not returned my calls or mails??

 

I am £1100.00 behind in a secured loan (future Mortages) and although they have been polite with there calls , they are expecting full payment of the arrears this Thursday, obviously I cant meet their demand..Any Advice?

 

I have been sent paperwork from Poole c/c for an unpaid buisiness loan/overdraft Value £4729.55 total cost etc £5636.04, Lloyds TSB , I was paying them £70.00 pm but did not make payments for several months because I could'nt afford to,how do I respond to this etc etc.

 

I have two charges on my property one by the sherriffs officer, and one from a trade supplier, can I get these looked at and do anything about them?

 

I missed a court day last week for council tax from 2 yr ago and just reading the letter is was with the intention to enforce, what will happen now and what should I do in this instance?

 

Lloyds TSB visa they sent me a default notice, then proceeded to take the money from my acc also with LIoyds , then put me into an unplanned over draft which is encuring daily charges What do I do,

 

I have various credit cards etc (so has my partner which she used to help me) which we cant afford to pay, is there anything that we can do to have them 'looked at'.

 

Ther are other matters going on in my life and I will post this when I have sorted a few things out.

 

My observations within the forums are as follows..

1.Why use the CCA method would'nt creditors see this as obstruction and delay tactics?

 

2..If you dont sign a letter is that legal correspondence?

 

3..Who do I get the postal orders made out to. re CCA or can they be left blank, and is everything done by recorded delivery?

 

4..When is it best to use CCR and S.A.R - (Subject Access Request) I cant get my head around this?

 

5..Over the last few years I have amassed copius amounts of charges from bank and CC companies can I get these back and how do I request this?

 

6..Monument visa called me and did not do security checks and proceeded to divulge info to me not knowing if i 'was me' when I challenged their decission to tell 'a stranger' my affairs they started to backtrack then take me through security I declined and they hung up ..what can I do?

 

7..What is classed as an unenforceable debt?

 

8..I have a trade supplier chasing me for 6k from about 4 yr ago they had a few £50.00 payments which was agreed, now they want to know what my plans are to pay the debt?

 

9..Am i allowed to record calls which I recieve, as some companies say they will not continue the conversation if I record..is this not agravating the situation?

 

10..My partner recieves calls and pressure at work from her CC companies 're helping me' some of them she has a payment plan, can we request a CCA or will this 'rock the boat?

 

Over all I am in a mess and my relationship is suffering and my partner is on medication for depression and I feel guilty as this is all my doing, but I want to remain possitive and move forward in finding a solution that works and where I wont be let down, and the info I am given is in my best interest , that I believe will come from this site.

 

Please help me, I may not sound distressed but believe me I am hidding my suffering from my family and it is killing me to do so, being self employed is not helping as there is hardly any work about and I am struggling to pay my monthlies not to mention the debt.

 

In a nutshell what the hell do I do and how do I do it?

 

THANK YOU IN ADVANCE.

 

Post copied and pasted onto posters thread;

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/167895-newbie-sinking.html#post1809414

Please note: I have no qualifications in this area and any advice offered is given in good faith.

 

 

http://www.financial-ombudsman.org.uk/publications/Ombudsman-news/40/40_setoff.htm

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You can not CCA a loan as far as I know,

 

Not out to tread on toes but are you confusing loans with overdrafts? a loan is a credit agreement and you can CCA them( shoot me if I'm wrong:D)

 

fox

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Thanks for moving mr worrieds thread, he might get more response that way! Well im going to send off cca's tomorrow. Im also looking into reclaiming some bank charges, just fed up with how the banks treat you, ignore letters, pass you around to different departments. I know its my debt at the end of the day but they dont make it easy for you

 

Emx

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Ok so im sending off my letter today to ask for a cca. I dont know how far to push it with my creditors though, I didnt know whether to look at bank charges and also the PPI insurance to? Should I do one thing at a time or hit them with everything? I just dont want to put my DMP in trouble

 

Thanks Em

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