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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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Invalid Default Notices


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i would write to them on some "pretext" (their demands for payment) and refer them to their unlawful repudiation of the agreement last year which was accepted and that you are still waiting to be advised of the amount of the arrears that were genuinely outstanding at the time they unlawfully terminated the agreement

 

you are letting them know that you regarded the agreement as unlawfully terminated last year (even if you did not put it in writing - of which there is no legal obligation)

 

make sure you keep letters of all future correspondence after that which, i personally would always then head:-

 

Re Your Ref Account XXXX XXXX XXXX XXXX -terminated agreement

 

Thanks so much DD. So we should just say for instance, that my friend has a copy of a unlawfully terminated agreement backed up on their pc ;), and my should write to them stating the advice you have given above?

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yes if its true but no, if it isnt

 

the law doesn't say that you have to write to accept- merely that your actions should demonstrate the fact

 

simply referring back to your "acceptance" of the unlawful repudiation will be sufficient without actually stating the manner of your acceptance- especially if the don't respond (which is highly unlikely- since they would not admit that they unlawfully terminated anyway

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yes if its true but no, if it isnt

 

the law doesn't say that you have to write to accept- merely that your actions should demonstrate the fact

 

simply referring back to your "acceptance" of the unlawful repudiation will be sufficient without actually stating the manner of your acceptance- especially if the don't respond (which is highly unlikely- since they would not admit that they unlawfully terminated anyway

 

 

DD could you write out a demo of what I should write please if you have time, as I really do not know how to word this letter properly and don't want to end up making things more difficult.

 

I really would appreciate it.

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Dear Sirs

 

re your ref Account xxxxxxxxxxxxxxxxx-terminated agreement

 

i note that you have not advised me, subsequent to my acceptance of your unlawful repudiation of the alleged agreement in 2009 as to the genuine amount of arrears that were outstanding at the time of termination, against which i may have a counterclaim for damages.

 

i look forward to your advices.

 

Yours sincerely

 

XXXX

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oh lord its hard to be humble

 

when your perfect in every way

 

i look at myself in the mirror

 

and get better looking each day

 

to know me is to love me

 

i must be a hell of a man

 

oh lord its hard to be humbler

 

but i'm doing the best that i can

:D No, go on, finish it. Or, are the lyrics involving some bricks and a wheel barrow more appropriate.

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Clearly we must start a poetry thread:

 

You did a poem yesterday

And I’ve done one today,

We could start a new thread

Keep CAG out the red

If we publish and make people pay!

We could write a collection -

No agent’s rejection! -

And then non-Caggers would see

That we really can help

Make DCAs yelp

And we don’t even charge a fee.

So now is the time

To pen your own rhyme

About AIC, Wescot, and more.

The names we know well,

But our rights we can tell,

And we know how to show them door!

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I see the Shadow has just made the same point as me - but much more succinctly;)

 

I would send a longer letter - identical one to all 3 showing cc to the other 2 along the lines:

 

1. I took out a cca on date for £amount with OC name.

2. I was advised by OC name on date that the debt was (assigned/passed) - use word in OC's letter - to DCA1.

3. I was then advised by OC name on date that (whatever next letter said) to DCA2.

4. I believe I am now being pursued by both DCA1 and DCA2 for payment of the same alleged debt, which is contrary to OFT and FOS guidelines.

5. I require all 3 of you to advise me jointly and severally of the correct status as you believe it of any debt which may be outstanding in respect of any debt taken out or any CCA agreed by me on date from OC.

6. Until I have received confirmation from all 3 and have an identical position stated by all 3 of you, I shall enter into no further communication nor make any further payments but shall retain any payments which may be due pending a resolution as outlined above.

 

Change the words to suit - but keep the message as intended.

 

Good luck

 

BD

 

Hi BD, I received yesterday a response from one of the DCA's who have bought the Littlewoods account. This response is to the letter above which I wrote last week, what a quick response hey, anyway this is what the 1st DCA (Cabot) wrote:

 

Dear Mrs......,

 

YOUR QUERY

 

We've contacted Littlewoods Finance Company Ltd and asked them to investigate your query. Although we expect to receive a reply within 21 days, if the information we need has been archived by the original lender it could take longer.

 

Thank you for your patience.

 

Mind you I wrote a similar letter to Lowell Financial Ltd last year in June, and this is what they replied:

 

Dear Mrs........

 

Your comments that you do not acknowledge this debt has been noted. As you are aware, the above account which relates to a Littlewoods catalogue account was purchased from Shop Direct by Lowell Portfolio 1 Ltd earlier this year. On completion of the sale of the account all the details currently held on this account was transferred to the Lowell Group. Please note that you have been contacted with regards to this matter as these details suggest that you are the individual who is liable for this account.

 

Going forward, we can confirm that further details relating to this account has been requested from the Original Creditors. We will endeavor to forward this information to you once it has been received in our office. In the meantime, please be assured that all activities on this account have been suspended until this information has been received and forwarded to you.

 

We trust the above clarifies our situation for you.

 

 

Blimey, These DCA's need to make their minds up on who owns this debt. I will wait and see what Lowell's and Littlewoods write back to my letter last week. Absolutely madness this is

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Enjoying reading this very interesting thread!

 

Had a couple of questions though....................

 

Noticed in a previous post a suggestion that a default should be registered on your credit file within 6 months of a default notice being issued but cannot find any confirmation of this. I have looked on the OFT website but no luck. Does anyone have any details of this?

 

Also, if a default notice is invalid are they still allowed to place a default on a credit file?

 

Thanks for any replies.

 

Cheers:)

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Enjoying reading this very interesting thread!

 

Had a couple of questions though....................

 

Noticed in a previous post a suggestion that a default should be registered on your credit file within 6 months of a default notice being issued but cannot find any confirmation of this. I have looked on the OFT website but no luck. Does anyone have any details of this?

 

Also, if a default notice is invalid are they still allowed to place a default on a credit file?

 

Thanks for any replies.

 

Cheers:)

 

I think you want the ICO default guidance:

 

http://www.ico.gov.uk/upload/documents/library/data_protection/detailed_specialist_guides/default_tgn_version_v3%20%20doc.pdf

 

Section 11:

 

Accounts should not be routinely filed as being in default where full payments or those due under a rescheduled agreement are fewer than three consecutive months in arrears.

• Accounts should normally be filed as being in default where those payments due have not been received for six months.

I have no legal qualifications whatsoever, so please check any input I have for accuracy. And please correct me if you disagree!

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I think you want the Information Commissioner`s Office default guidance:
That's the one. Egg put a default on two accounts of mine after just one missed payment. I'm not sure whether to complain as, at best, it'll just mean them being put on at a later date.
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Hi All

 

Just thought I would throw this one in for debate.

 

Under the 1983 amendements a DN shall contain certain information. We have debated dates, arrears, format etc but what happens if the following statements are missing

 

"This notice should include a copy of the current Office of Fair Trading information sheet on default. This contains important information about your rights and where to go for support and advice. If it is not included, you should contact us to get one.".]

A statement in the following form--

"IMPORTANT-YOU SHOULD READ THIS CAREFULLY".

 

I know the obvious comment is that it is defective, but would it be enough to convince a court and why.

 

Thanking you all in anticipation

 

Pedross

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Hi All

 

Just thought I would throw this one in for debate.

 

Under the 1983 amendements a DN shall contain certain information. We have debated dates, arrears, format etc but what happens if the following statements are missing

 

 

"This notice should include a copy of the current Office of Fair Trading information sheet on default. This contains important information about your rights and where to go for support and advice. If it is not included, you should contact us to get one.".]

A statement in the following form--

"IMPORTANT-YOU SHOULD READ THIS CAREFULLY".

 

I know the obvious comment is that it is defective, but would it be enough to convince a court and why.

 

Thanking you all in anticipation

 

Pedross

 

I have one with Egg with 'prescribed' wording missing and i'm fighting it on that very point. Seems to have got the Sols in a bit of a tizzy so there must be some mileage in it. The regs are very clear on what wording MUST be included in a DN. It is a legal document not a letter.

 

 

M

 

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