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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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Help with Various Debts and DCA's


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so carry on with the CCJ payment.

pers i'd stop every other payment of silly small sums to anyone else.

all you are doing is running the statute barred date to infinity.

 

Original creditors dont do court.

 

just ENSURE everyone you are stopping payment too has you current and correct address going forward.

 

you'll get a TON of deforestation through your letter box.

pers i'd ignore EVERYTHING, just scan it and/or put it in a file for that particular debt.

 

these debts can NEVER comeback on your credit file as i suspect they were all defaulted +10yrs ago.

 

3 golden rules.

never move without informing the debt owner if its within 7yrs since your last payment

never ignore if/when a letter of claim arrives for any debt.

never ignore county court papers from northants bulk court.

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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let it run.

see where they go like the others.

 

stop being scared of dca's too.

they are not bailiffs.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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As it happens they had sent two letters that my other half did not stress me about as I was dealing with a family situation.

 

First one asking me to call them and second to say that the dca with be administering the account.

 

They arrived about a week apart and I am waiting for dca letter.

 

Not sure what to do here.

I am dreading phone calls, home visits or public harassment or confiscation of property like car or phone etc. Please help.

 

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1 hour ago, Shanidev said:

I am dreading phone calls, home visits or public harassment or confiscation of property like car or phone etc. Please help.

 

what part of a dca is not a bailiff do you not understand?

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Sorry for being so paranoid.

 

Two reasons got me sweating:

the letters came from prelitigation department and my previous mistake of returning dca's call.

 

They threatened to breakin through even front door, exposing me to my social circle to confiscating my car.

 

mbna did not respond to cca request, broke every guideline and dca took me to court.

 

Thanks for putting my mind at rest and putting me on track.

 

Much appreciated.

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no such thing as a pre litigation dept, just another bloke in a different coloured skirt sitting nearer to the bog in a call centre.

 

a dca can do nothing of the sort you mention above, which is why you never ever phone them...they LIE simply to scam people out of money that hey use to buy their drinks down the pub that night.

 

as for the varde court claim you had on an old mbna card debt sold to them.

you sent back forms admitting the debt, no wonder you got harassed.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Varde (MBNA) debt has since gone to PRA Group who sent me statement at the time plus bank details but no communication since.

 

Two letter were from HSBC headed pre-litigation department.

Yesterday, I received an automated 'contact us now'.

 

And this morning, letter from PO Box 189, Huddersfiled.

 

Through the window I can see it has Debtline in bold.

 

I am dreading opening it.

I have had letters from there in the past that I did 'Return to Sender' following advice from someone on YouTube.

Now, not sure what to do here. I have no idea on how best to deal with these people. 

 

Also, if I stop the nominal payment could they take me to court and then use 'he has been making payments' as evidence of my admittance? I have stopped nominal payment on one of them and waiting with baited breath. 

 

Please advise

 

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a dca is NOT A BAILIFF

totally powerless

 

why not open and scan up the letters.

 

all you are doing by keep making payments is be a nice little cash cow and run the SB date to infinity.

payment is not necessarily admittance of a debt no, just you got conned .

 

they might not hold any enforceable paperwork!

why do you think the OC sold it in the 1st place and not crushed you themselves in court...weird that eh?

 

dx

 

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Well, I finally gathered up courage to open the letter. In summary, it says 'acting on bank's behalf, you have failed to contact, we know you are there, we will pester you until you contact'

 

Pardon me for being so thick. I am a little nervous. No doubt, I am going to receive further letters. Won't be contacting them. Do I just scan and file away? What's the better path; I have sent them back before when I do not recognise the sender. 

 

Thanks very much for your help.

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scan 

dont bother sending back always was a stupid move

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 months later...

I stopped token payments on one of them. Received letter saying they have noticed... your debt still stands... important to call us... etc. A month later they have sent the same thing with income-expenses sheet asking to complete it to help them help me. I didn't dare stop token payments on the other as long time ago the bank wrote to me saying wescot will now administer the account.

I am stressed a little with course they might take and also what to do with the second one. Please advise.

Thanks in advance

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Quote

the bank wrote to me saying wescot will now administer the account.

 English = Wescot will hound you as we cant be bothered and if you pay them they will take their cut as we have already wrote it off as a loss ......administer :becky:

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a dca is not a bailiff

stop paying them and being a nice little DCA cash cow.:frusty:

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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