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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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Reposession hearing in 2 days (Wed)


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I have just discovered that I have a hearing on Wedsday. I am stuck in another country, with no passport (sent off for renewal). I am too late to submit a defense via PCOL (Possession Claim On Line) which requires minimum 5 days.

 

I plan to put a defense together today and fax it over for inclusion at the hearing, if this is allowable?

 

Some phrases in the banks Witness Statement are difficult to understand:

 

"Court make an order that

i The defandants do:

(a) give the claimant possession of the property

(b) pay the outstanding arrears

ii Judgement be entered against the Defendants for the total amount outstanding under the mortgage."

 

It seems they want possessions, all the arrears, and a full mortgage repayment. Ideally I would like to pay just the arrears.

 

I am very fortunate in that relatives will help so I can pay the arrears in full, within a month. I am in a job. I am in the process of trying to cash in an endownment policy that I don't need, but this is taking many weeks longer than expected.

 

The mortgage is a secured loan, that was sold in October 2005, with compulsory income protection insurance. I needed to find a new job a year ago, and was 3 months without work, but the overseas fixed length contract work meant I was not covered. The loan is variable rate, and I am being charged 11.5% inclusive at the moment.

 

I was told by the salesman that the rate would rise and fall with bank rates, and that rates needed to remain competitive to attract new business. The unit has now closed to new business!

 

How detailed should my letter to the court be? Is there an example of one coutering a reposession claim?

 

The loan is regulated under the Credit acti 1974, and I wondered if it was worth asking the court to look at the interest rate, given that the protection I pay is useless?

 

Any pointers appreciated.

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Hi there, you need to enter a Witness Statement detailing how you are intending to clear the arrears.

 

When are you able to make payment of the arrears and would you be able to prove you have the funds to do so.

 

Alternatively you could offer to pay extra on top of the monthly installment to clear the arrears (there is case law you can use to support that - and you would need to attach an income and expenditure statement to show how you are going to do that) which would give you time to get the full amount of the arrears together.

 

If you need help with writing the statement, please let me know and I can draft a template for you.

 

Ell-enn

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Thanks Ell-enn for the reply.

 

So I should concentrate simply on showing my ability to pay, and not get distracted about details like the insurance not paying out. My wife has savings, and thankfully I have a stable income. I have form EX104PCOL sent by the court.

 

Do I need to say, explicitly that I don't want the claimant to get a possession order?

 

It would be useful to have a template wording to stop the posession bit.

 

So I write my witness statement, and fax it over, signed by us both, with bank statements.

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Hi, can you give me 30 mins or so and I'll get back to you? I'm just cooking dinner.

 

Can you confirm what you are actually offering the court? are you saying you can pay the total arrears or will you be asking them for a payment arrangement i.e. a sum each month towards the arrears on top of the normal monthly payment?

 

Once I know what you are offering I can let you have a template witness statement.

 

Ell-enn

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OK, you're going to have to send a budget sheet in with the statement - I've affixed the one we normally use. When filling it in you need to remember that the amount you are offering towards the arrears each month in addition to the normal monthly payment should be the amount left over after everything else has been paid.

 

I will draft a witness statement for you but need a bit more info:

 

Is the mortgage in joint names? if so, can the other party sign before faxing to the court?

 

Do you have any children living in the property?

 

What was the reason for the arrears ? (the judge will want to know)

 

Ell-enn

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Is your wife able to attend the hearing?

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Sorry, the budget sheet didn't attach - it should be affixed to this post now

Budget Sheet.xls

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Are you still there?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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The mortgage is in joint names. My wife and 2 small kids 4 & 6 live there, plus one lodger, me when I am in the country. My wife is not able to go. A new central heating system eventually tipped us into 3 months arrears, then a mix up in payment instructions, partly their fault not supplying details I asked for, then I never followed it up ignoring things, that caused it to go over the edge.

 

This is a second mortgage, the first mortgage was in arrears until some of the payments that should have gone on the second one brought the first up to date.

 

Thanks for the budget sheet. It opened nicely in the last post.

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Hi there, affixed is the defence statement. You need to fill in the details where there are XXX's.

 

On the budget sheet you need to write the claim number on the top left hand corner and Appendix 1 on the top right hand corner.

 

You should send with a covering fax and ensure you get a printed record of receipt.

 

Any questions just shout - I will be going off line in around 10 minutes.

 

Don't forget to let us know the outcome.

 

Ell-enn

John22Defence Statement.doc

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I phoned the court yesterday asking the listing manager to re-schedule. Not possible without a judges consent. So I phoned the claimant asking them verbally to withdraw or adjourn. No reply, but their solicitors put the question to them. So yesterday I faxed in my defence (thanks for the help). This morning the claimant phoned and verbally asked me for a repayment schedule and I verbally agreed to the monthly payment plus 400 monthly towards arrears, and a suspended possesion order.

 

In my defense, faxed yesterday, I proposed 450 monthly.

 

We will see what happens next.

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  • 2 weeks later...

Good result, hope things work out for you.

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