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    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
    • In answer to your questions yes even though it wasn't called that, it was the NTK. Had it been a windscreen ticket you would not have received the NTK until 28 days had elapsed. In earlier times if the warden was present then a windscreen ticket would have been issued. It nows seems that the DVLA and the Courts don't see a problem  with not issuing a ticket when a warden is on site. A period of parking must mean that ther e has to be a start time and a finish time in order for it to be considered a period. A single time does not constitute a period. I am not sure what you mean by saying it could be taken either way.  All they have mentioned is  the incident time which is insufficient. There are times on the photos about one minute apart which do not qualify as the parking period because they are not on the PCN itself. The reason I asked if the were any more photos is that you should be allowed 5 minutes Consideration period for you to read the signs and decide whether you want to accept them and you do that by staying longer than 5 minutes. if  more  do not have photos of your staying there for more than 5 minutes they are stuffed. You cannot say that you left within the 5 minute period if you didn't , but you can ask them, should it get to Court , to provide strict proof that you stayed longer than the statutory time. If they can't do that, case over.
    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully.   
    • The good news is that their PCN does not comply with the Protection of Freedoms Act 2012  Schedule 4.. First under Section 9 (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; (b)inform the keeper that the driver is required to pay parking charges in respect of the specified period of parking and that the parking charges have not been paid in full; The PCN does not specify the parking period. AS you rightly say the ANPR times do not include driving to the parking space and then from there back to the exit. And once you include getting children in and out of cars especially if seat belts are involved the time spent parked can be a fair bit less than the ANPR times but still probably nowhere near the time you spent. But that doesn't matter -it's the fact that they failed to comply. Also they failed to ask the keeper to pay the charge.  Their failure means that they cannot now transfer the charge from the diver to the keeper . Only the driver is now liable. As long as UKPA do not know who was driving it will be difficult for them to win in Court as the Courts do not accept that the driver and the keeper are the same person. Particularly as anyone can drive any car if they have the correct insurance. It might be able to get more reasons to contest the PCN if you could get some photos of the signs. both at the entrance and inside the car park. the photos need to be legible and if there are signs that say different things from others that would also be a help.
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HFC bank and Restons newbie needs help! ***WON***


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No default notice attached to application?

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

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court bundles for dummies

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No default notice attached to application?

 

No just a photocopy of the front page of the agreement, T&C's and balance sheets which i need to go through carefully..I got the DN by CPR a few months ago and it is invalid..They have not seen fit to include it the bundle..So are these docs they sent the ones they will be relying on in court??

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No default notice means their application for summary judgment must fail as they have not complied with s.87 Cca 1974

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Then they are stuffed. Check out the dodgy default notice thread

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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  • 2 weeks later...
  • 2 weeks later...

Hi Everyone..Not been online as I have been ill :sad:

 

The clock is ticking and I have to send my witness statement to Restons and the court by the end of the month..Starting to panic now..I have read most of the threads and have absorbed as much info as I can..I will post a summary of my case (to save going back through the whole thread) if someone could please help me put this together??

 

Thank you in advance

 

One very worried Nana

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Sent CCA request to OC on 14/10/08..... Ignored my cca request

Sent letter before action (account in dispute) 0n 14/05/09.....

Received letter from OC on 28/05/09 saying Sorry that I am unhappy and they will conduct a thorough investigation.... LOL

Restons start court proceedings on 22/5/09 POC includes collection charge that is in breach of cca rules filled embarresed defence.

Another letter from OC on 2/6/09 saying they are still investigating...

 

CPR.31.14 Restons on the 6/06/09..Receive a CA and DN from them on Default notice is invalid as it does not allow 14 clear days to remedy....Dated 15/11/08 (a saturday)

 

Receive letter from HFC executive complaints department with CA (no DN)attached on 13/7/09 Ten months late of my original CCA request....needless to say but they did not uphold my complaint :eek: and that they have fulfilled their obligations under the CCA 1974 :smile:

 

Sent AQ by local court and attach draft order for directions....

 

Receive WS bundle from Restons (see post 95) They did not include DN in bundle even though they state they have...

 

 

I think that's it..

 

Thank you Nana :)

 

 

 

 

 

 

 

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By all means Nana draft it up and I will take a look later

 

 

Regards

 

Andy

We could do with some help from you.

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Witness Statement

 

 

1. This statement is made in opposition to the Claimant’s application for summary judgment and by which the Claimant contends I have no real prospect of successfully defending the claim against me.

 

2.On the 14/10/08 I sent a recorded delivery CCA request to HFC.They received the said request on the 16/10/08.My request was ignored.As they did not respond to my request I thought this would be the end of the matter and at this time I was also dealing with a family tragedy.

 

3.A follow up account in dispute letter was sent to HFC on 14/5/09. A response was received from HFC on the 28/05/09 and that they would be conducting an investigation..I still did not receive a response to my lawful CCA request

 

4,On 24th May 2009 court papers were received by me and I noticed that the particulars of claim contained collection charges which I believe to be prohibited under the consumer credit act 1974.

 

5.On the 2/6/09 received another letter from HFC saying that they are still investigating ...I had still not received or had any acknowledgement of my lawful CCA request

 

6.A CPR .31.14 request was sent to Restons on the 6/06/09. I received an alleged credit agreement and a default notice on the 17/6/09

 

7. I contest that the said Default Notice that Restons will rely on is valid as It does not allow the required 14 clear days service to remedy the breach This is considered to be an unlawful rescission of contract.

 

8.I filed my defence on the 25/06/09

 

9.On the 13/7/09 I received another letter from HFC 10 months late of my original CCA request and furthermore refusing to uphold my complaint.

 

10. I receive witness statement and application for summary judgement bundle from Restons. They have failed to attach the Default notice to the bundle to which they have made reference to contrary to s.87 Cca 1974

 

11.Furthermore as this became a formal case in dispute on the 26/10/08 Restons have no cause of action to bring this case in line with the Consumer Credit Act 1974 (Sections 77-79)

 

12.In the circumstances the court is invited to conclude that there are reasonable grounds to suppose that I will be able to successfully defend the Claimant’s claim at trial and that the Claimant’s application for summary judgment against me should be dismissed.

 

Date:

 

 

Statement of Truth

 

I believe the facts stated in this Witness Statement are true

Edited by nana buzzz
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Hi Nana

 

I recognise most of the wording in the above;)

 

It needs a little sharpening but the basis is all there and quite factual.

I will amend it slightly for you this evening

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Not the same Perdita that i helped with her WS:D

 

Sought it for you this evening

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Witness Statement

 

 

1. This statement is made in opposition to the Claimant’s application for summary judgment and by which the Claimant contends I have no real prospect of successfully defending the claim against me.

 

2.On the 14/10/08 I sent by recorded delivery, a CCA request to HFC.This was recieved on the 16/10/08.They failed to respond to my request and were therefore in default

3.A further request was sent to HFC on 14/5/09,also advising that i now considered the account in dispute. A response was received from HFC on the 28/05/09 and that they would be conducting an investigation.

4,On 24th May 2009 I recieved a Summons from the CCB without any prior warning or notice from the Claimant.The particulars of claim contained collection charges which I believe to be prohibited under the consumer credit act 1974.

 

5.On the 2/6/09 received another letter from HFC saying that they are still investigating .I have still not received or had any acknowledgement of my Section 78 CCA request

 

6.A CPR .31.14 request was sent to Restons on the 6/06/09. I received an alleged credit agreement and a default notice on the 17/6/09

 

7. I will contend at trial that the Default Notice that Restons will rely on is valid as It does not allow the required 14 clear days service to remedy the breach This is considered to be an unlawful rescission of contract.

 

8.I filed my defence on the 25/06/09

 

9.On the 13/7/09 I received another letter from HFC 10 months late of my original CCA request and furthermore refusing to uphold my complaint.

 

10.On the xxxx I received a Witness Statement and Application for summary judgement bundle from Restons. They have failed to attach the Default notice to the bundle to which they have made reference to contrary to s.87 Cca 1974 and upon which their claim relies upon.

 

11.Furthermore as this became a formal case in dispute on the 26/10/08 Restons have no cause of action to bring this case in line with the Consumer Credit Act 1974 (Sections 77-79)

 

12.In the circumstances the court is invited to conclude that there are reasonable grounds to suppose that I will be able to successfully defend the Claimant’s claim at trial and that the Claimant’s application for summary judgment against me should be dismissed.

 

Date:

 

 

Statement of Truth

 

I believe the facts stated in this Witness Statement are true

 

 

Check that through Nana and complete the missing date

 

Andy

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We could do with some help from you.

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