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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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rgeckouk Loan & PPI Help


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Hi I stumbled across this site and was looking for a little help,

 

I took I loan out with Barclays in 2004 and was told at the time of filling out the loan application that due to it being the maxiumum amount that it was a good idea to take the PPI as it was more likley to go through. As I was in desperate need for the money I did this. The repayment amount was more than I was already paying and was told after 6 months I could come back into the branch so they could review and adjust this to a lower repayment. I was not made aware that the PPI would be added to the value of the loan and interest would incurr on this as well, as was told it was just like my car insurance policy.

 

I never recieved any PPI documents or policy number in the mean time paying nearly £780 a month to Barclays was becoming a struggle after 2 years I really hit a brick wall and started to miss payments. I made appointments at my local branch they where no help and the loan account everytime they looked at it showed that it had no PPI against it.

 

I finally got them to restructure the loan and remove the PPI but feel after 2 years paying the amount I had been to them totalling nearly £17500 for 2 years on an original loan of £25000 something is not right. I have finally got fed up with them now and have stopped paying the new monthly payment and have made an appointment with my local branch manager to get this sorted. If this meeting nothing comes of it where can I go?

 

Many Thanks R

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Just to add to this I now owe more than I origianlly started out with I had a £25000 loan that is now according to Barclays as of today I owe them in the region of £32000 which is split over two £16000 loans now when it was restructured. They really are starting to get to me and I want to run and hide.

 

Any help appriciated.

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If the meeting is not a success you need to contact the FOS.

 

You need them to show you all the figures relating to the loans as proof that PPI was/wasnt added. If it was added you should try to reclaim it back .Even if you had it and they removed it they may still be charging you interest on it. They should not have said that the loan was more likely to go through with PPI, was this in the bank or on the phone?

Any opinion I give is my own and given without

any liability.

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Dont give up,firstly go to this meeting and get those figures.

 

1. you were verbaly mis sold and have no policy documents.

 

2. the loan showed no PPI, the figures will show what the truth is and they should compensate you for this as it should have been cancelled sooner.

 

3.The FOS will help if Barclays dont.

Any opinion I give is my own and given without

any liability.

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This was all done in my local branch not over the phone, so unfortunatly no recorded call evidence.

 

That should not be to much of a problem, because it's up to them to prove it was not mis-sold!

------------------------------------------------------------

 

First Direct - Refund of Bank Charges...... **WON** (Offered full amount of £5200 2 days before court)

 

Amex - Refund of charges..... **WON** (£330 refunded without much fight)

 

First Plus PPI - **WON** (Full Refund of over £7000 + Interest)

Norton Finance - Owe me over £6000 for mis-sold PPI - Starting court action in the new year!

Barclaycard PPi - Ongoing (Being complete tos*ers!)

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Right you need to ring the FOS and let them know you want to make a complaint, they will fill out bits on the phone and then send you the forms to fill in. Your complaint is for mis selling and when the forms come there will be a section to explian your complaint, tell them everything, including the last meeting.

From now on only deal with Barclays in writing, no phone calls, no meetings in branch relating to PPI.

 

The FOS only look at complaints 8 weeks after your first letter of complaint to the company or if the company have given their final response. So if neither of there apply the FOS may have to write to Barclays for their final response on your behalf. This is fine.

Any opinion I give is my own and given without

any liability.

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