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    • Which Court have you received the claim from?  CIVIL NATIONAL BUSINESS CENTRE, NORTHAMPTON Name of the Claimant?  LOWELL PORTFOLIO LTD How many defendant's joint or self?  SELF Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.  03 MAY 2024 Particulars of Claim What is the claim for – the reason they have issued the claim?  THE CLAIM IS FOR THE SUM OF £6000 DUE TO THE DEFENDANT UNDER AN AGREEMENT REGULATED BY THE CONSUMER ACT 1974 FOR A LLOYDS BANKING GROUP PLC ACCOUNT WITH AN ACCOUNT REFERENCE OF (ACCOUNT NO. 16 DIGITS LONG). THE DEFENDANT FAILED TO MAINTAIN CONTRACTUAL PAYMENTS REQUIRED BY THE AGREEMENT AND A DEFAULT NOTICE WAS SERVED UNDER S.87(1) OF THE CONSUMER ACT 1974 WHICH HAS NOT BEEN COMPLIED WITH. THE DEBT WAS LEGALLY ASSIGNED TO THE CLAIMANT ON (DATE) NOVEEMBER 2016 NOTICE OF WHICH HAS BEEN GIVEN TO THE DEFENDANT. THE CLAIM INCLUDES STATUORY INTEREST UNDER S.69 OF THE COUNTY COURTS ACT 1984 AT A RATE OF 8% PER ANNUM FOR THE DATE PF ASSIGNMENT TO THE DATE OF ISSUE OF THESE PROCEEDINGS IN THE SUMBE OF £0.00. THE CLAIMANT CLAIMS THE SUM OF £6000. What is the total value of the claim? £6500 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? YES, NOTICES OF CLAIM.  Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?  YES  Did you inform the claimant of your change of address?  NO Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?  CREDIT CARD When did you enter into the original agreement before or after April 2007?  BEFORE   Do you recall how you entered into the agreement...On line /In branch/By post?  I DONT RECALL   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?  NO   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.  DEBT PURCHASER.   Were you aware the account had been assigned – did you receive a Notice of Assignment? THE FIRST I RECALL WAS A LETTER FROM LOWELL SAYING THEY NOW OWNED THE DEBT.  Did you receive a Default Notice from the original creditor?  NOT THAT I RECALL OR BEEN PROVIDED WITH THROUGH CCA REQUESTS.AT LAST REQUEST THEY SAID THEY WERE AWAITING THE DEFAULT NOTICE AND NO ACTION WOULD BE TAKEN UNTIL RESPONDED WHICH TO DATE I'VE NOT HAD OR SEEN.  Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?  NO, I RECEIEVED LETTERS OF CLAIMS   Why did you cease payments?  I WAS UNDER MEDICAL CARE WHICH CAUSED ME NOT TO WORK. AROUND THAT TIME LOWELL HAD WANTED ME TO INCREASE MY PAYMENTS AS IT WOULD TAKE TOO LONG TO CLEAR THE DEBT. I HAD BEEN PAYING THEM WHAT I WAS PAYING THE BANK. I EXPLAINED MY THEN HEALTH & FINANCIAL POSITION AND THAT I WAS UNABLE TO DO SO. THEY PUT A HOLD ON MY ACCOUNT FOR A FEW MONTHS SO I CANCELLED MY DIRECT DEBIT. I MADE A FULL AND FINAL OFFER WHICH WAS REJECTED. WHEN THEY WANTED PAYMENTS TO RESUME I EXPLAINED I WAS IN A WORSE FINANCIAL POSITION, STILL UNDERTAKING TREATMENT AND NOW UNEMPLOYED SO COULD NOT START PAYMENTS AS THEY WANTED. AFTER SENDING MY FINANCIAL SPREADSHEET THEY KEPT SENDING LETTERS ASKING WHAT I WAS GOING TO DO. I COULDN’T SEE A WAY FORWARD I FELT STREESSED AND UNDER PRESSURE SO WROTE THAT I WOULD NOT BE CORRESPONDING WITH THEM ANYMORE.    What was the date of your last payment? NOVEMBER / DECEMBER 2018   Was there a dispute with the original creditor that remains unresolved? NO   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I COMMUNICATED MY FINANCIAL PROBLEMS WITH THE CREDIT CARD COMPANY, WE MADE A MONTHLY PAYMENT AGREEMENT WHICH WAS KEPT FOR SEVERAL YEARS UNTIL DEBT WAS SOLD.  
    • Perhaps you would care to read this and reflect on your continuing comparison of Israel to Nazi Germany Jugg    ALEX BRUMMER: How grotesque of pro-Palestine protesters to besmirch Auschwitz, the place where my grandparents died WWW.DAILYMAIL.CO.UK As the son of a refugee from the horrors of the Holocaust, I can feel nothing but contempt for the ignorance, gross... My elderly aunt Sussie and cousin Sheindy had been teenagers at Auschwitz and Belsen but survived and are alive to this day. What they will make of the protesters who waved flags, heckled and chanted as Israelis took part in the March Of The Living – the annual walk from Auschwitz to Birkenau – I cannot imagine. The images now circulating of the protesters are indescribably disturbing. They can only bring back memories of those final moments Sheindy shared with my grandparents when my grandmother Fanya squeezed her hand and told her to lie about her age to avoid the gas chambers. Claiming she was older, and could work, meant that Sheindy lived, not died. The outrage perpetrated by Hamas on October 7 has brought back the most terrifying memories for these two women – memories of pillage, mutilation and starvation. The Holocaust, or Shoah to use the Hebrew word, was the deliberate, industrial-scale killing of Jews.  It is bad enough that pro-Palestinian and pro-Hamas sympathisers have chosen to steal the language of the Holocaust.  Any comparison between Israel's retaliation and the monstrous genocide of the 1940s is odious and anti-Semitic
    • Thank you JK2054 and BankFodder for your replies. The information requested is as follows:   My wife and I are sole traders supplying bespoke, handmade wedding trays and other items through our website. We do not sell on ebay. We had an order for two trays (invoice value £370) that were shipped on Monday 25th March. We used P2G as the broker and Evri as the shipper. We declared the value but did not take out insurance. As the trays were a present for a wedding on Saturday 30th March we checked the progress of delivery on the Thursday to see that there had been an attempt to deliver on the 27th but the driver failed to deliver as the customer’s gate was shut (customer informs us that the gates are open between 7am-7pm. We contacted the customer who informed us she had been waiting in all week and there had been no attempt of a delivery. Evri allege they attempted to deliver on the 28th & 29th. On the P2G web site on the 4th April at 14.17 it stated that the customer refused delivery. At 14.28 it updated to say there was a problem with the address and at 14.32 updated to say the customer had refused delivery. At 14.35 updated again to say it was being returned. Last entry was on the 7th April that it was being processed at the depot. We never received it. I have had six web chats with P2G between the 4th-30th April. On the 26th April, I had an offer of £20 plus cost of delivery (£6.72) from P2G which I rejected. During this time, I also contacted Evri that resulted in an email from Evri Customer Services (20th April) stating that they had lost the parcel. I replied requesting details of the attempted delivery but received no reply. After emailing Evri again on the 23rd asking again for the information I received a phone call from someone called Haleemah on the 25th who apologised and promised to send an email with a link to submit a claim form. I subsequently received an email with the link which only took me to a page that stated “Page not found”. After informing Evri customer services of the problem (to which no reply was forthcoming) a couple of days later I retried the link but it only took me to the Evri website. I believe that I have a good case against both companies but would appreciate guidance on which path to go down. I have read most of the information on this site, which has been very helpful and much appreciated, particularly the various court transcripts. I appreciate that this process is a marathon and not a sprint and am fully aware that I need to get everything in the correct order before starting on the legal road. I am sure this covers the current position but if further info is needed please let me know.  
    • Everything at small claims revolves around informality and common sense, there are no "special" ways to have to do things. The site manager's WS will be like yours and the one I linked to - just much shorter.  There need to be the introductory hearings about the case, the parties, etc., and the concluding Statement of Truth. In the middle just a couple of paragraphs where they say who they are, how they know you, and about permission being given by the landowner to use the car park. Superb.  I've added another section about the signage to the suggested WS sections three posts above. Yes, it's perfectly possible.  It'd be a good idea to phone the court on the 18th to see if they have paid.
    • OK thank you very much. I will prepare my WS as you advise.  I will indeed be preparing the WS over the weekend. I will also post UKPC's on Wednesday by 2nd class mail. As they have until the 17th to pay the court fee, is it possible they might discontinue at that stage too? Also I wanted to ask, in what form should the site manager's statement come? And the site owner if i can contact them? I will get photos of the signage to share with you also. Thank you.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parking across empty driveways


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Thanks...this S.I. applies to England, so not for just outside London. This implies that the powers that be knew that dropped footways within London were not legally enforceable as the TMA 2004 failed to include section 14 of the LLA&TfL act 2003 meaning that to enforce dropped footways under the TMA 2004 required them to be signed.

 

It would have served no purpose to just ammend the statute just outside London. The aim of the TMA is to eventually use the same legislation for parking, bus lanes and moving traffic nationwide and move away from London using various LLA. The power to enforce drop kerbs using has been used in London since the LLA 2003. Your frequently used argument that the TMA only allows for enforcement in 'parking places' is flawed due to you interpretation of a parking place.

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It would have served no purpose to just ammend the statute just outside London. The aim of the TMA is to eventually use the same legislation for parking, bus lanes and moving traffic nationwide and move away from London using various LLA. The power to enforce drop kerbs using has been used in London since the LLA 2003. Your frequently used argument that the TMA only allows for enforcement in 'parking places' is flawed due to you interpretation of a parking place.

 

It's not my interpretation of "parking place" it's the one given in legislation and if it's so flawed why has it been so successful in appeal cases?

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What legislation?

 

We are going off topic when we should be focusing on helping the OP and besides you should know what legislation as you tell me my interpretation is flawed and to make such a statement one would hope that you must have read the legislation but you will find it all within these. If you have any problems you can pm me.;)

 

Results within legislation - Statute Law Database

 

Results within legislation - Statute Law Database

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We are going off topic when we should be focusing on helping the OP and besides you should know what legislation as you tell me my interpretation is flawed and to make such a statement one would hope that you must have read the legislation but you will find it all within these. If you have any problems you can pm me.;)

 

Results within legislation - Statute Law Database

 

Results within legislation - Statute Law Database

 

It hasn't gone off topic the OP was asking for clarification on the legislation relating to drop kerbs.

Whilst you have quoted 2 statutes you have failed to identify the definition of a parking place in relation to section 6 of the RTRA 1984? Using your argument there is still no current legislation to enforce drop kerbs since the TMA section 86 does not allow the issuing of PCNs for the 'offence' it merely makes it a contrtavention as if an order under section 6 RTRA which you maintain is not enforceable outside a 'parking place'.

However a parking place is somewhere a vehicle is permitted to wait which is not the same as a designated parking place or an off-street parking place. All parking places are subject to any restrictions as stated in the order that covers them, ie in a parking place for permit holders only permit holders may wait. The parking place adjacent to a drop kerb has the conditions as stated in the LLA 2003/TMA2004 applied to it as if it were created under an order created by sect 6 RTRA 1984.

To simplify matters lets pretend the TMA didn't exist and you had a drop kerb that was getting blocked. The Council would have to make an order under sect 6 that stated only you could park outside your house in the parking place adj to your drive and errect signage to say so. Fortunately the need for both signage and an individual order is removed by current legislaton.

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Im just chipping in here!,heres a story.....two years ago I owned a flat it had a separate garage round the corner,in a block,access to it via the public highway,anyway,I owned the garage and the area in front of the garage,lets say a cars length so I used to park the car on the area in front of the garage,my land,as I had a motorcycle as well,i used to park that in the garage,I could easy squeeze the bike past the car and get in and out the garage,all was ok in the world for me!!,the neighbour who lived at the corner of the garage decided to take his fence down and put a gate up then hes telling me I cant park in front of my garage,on my land as he now needs the access!!!Obviously he didnt get it,Im just pointing out even if someone has an access/drive etc it doesnt mean its legal!!!!!!

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Thank god for the new legislation so I and others no longer have to keep having this debate with you. It's been fun though and painful lol!

 

By the way, I have another argument prepared in readiness for the new legislation in regard to dropped footway cases that you will enjoy knocking just as much.

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There is or was a flaw under the LLA and that was that you could not enforce a drop kerb if there was a waiting restriction in force. This was overlooked and not widely known which didn't really matter since both restrictions are essentially the same. However some Councils gave Blue Badge holders PCNs for parking on a drop kerb when in fact technically they should not have done so.

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A friend of mine had a bit of a dispute with a neighbour , he didnt park across his drive way, just parked an old road legal car outside the neighbours house because he was fed up with him parking his big van there. The neighbour responded by attaching a tow rope to my friends parked car and dragging it up the road, so he could park the van back there.

The police were not really interested at all, as they said my friend had antagonised the neighbour by parking the old car there in the first place.

 

so maybe the moral of this is, that if you do park across someones drive way and you return to your car having been dragged up the road and dumped somewhere else, its quite possible the police would not be too bothered either in this case. or even if its not dragged up the road, but you return to it and later find keyed or something it would not be too suprising really.

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I was told no so long ago by a police officer that an old bylaw was that a house owner has a legal right to get their car off their own property, therefore you cannot block a driveway with a car in it, but you can however park over a driveway IF there is no car in it/or garaged there because a house owner does not have automatic right of access onto their drive.

 

This is just what I was told so I don't have any legislation to back it up.

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What about people who dig up there front garden and brick it over to park cars on but have no dropped kerb ?

 

My neighbour has done this, has space for 3 cars but never uses it and by doing that has taken away the road parking by 2 parking spaces ?

 

so instead on people parking on the road as they would normally he claims that as he has a drive no one can park there, fair enough if its used but it hasn't been used once in the last 8 months ?

 

this has made parking a lot harder in my area as he still parks his car on the road etc !!!

 

Can you "block" the driveway as it has no dropped kerb ?

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal Experiences/Mistakes lol...

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you seem to be limiting which acts you are reviewing to decide the legal issues for this, there are other issues apart from traffic law, such as quiet enjoyment and even public order laws. I am aware of a case in Luton, where someone parked across an empty drive, the owner of the drive came back and wanted access, the owner of the car blocking it couldnt be contacted so the drive owner called the Police who traced the car owner and arrested them for breach of the public order act s4 - I never followed this case up after this but since the average time being dealt with after arrest is 5 hours in the cells, I would wonder if the blocking cars owner still thought it was worth parking over someones access.

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What about people who dig up there front garden and brick it over to park cars on but have no dropped kerb ?

 

My neighbour has done this, has space for 3 cars but never uses it and by doing that has taken away the road parking by 2 parking spaces ?

 

so instead on people parking on the road as they would normally he claims that as he has a drive no one can park there, fair enough if its used but it hasn't been used once in the last 8 months ?

 

this has made parking a lot harder in my area as he still parks his car on the road etc !!!

 

Can you "block" the driveway as it has no dropped kerb ?

 

 

If the hardstand was built after 1st October 2008, unless it was built using porous materials (ie bricks which allow water to permeate into the soil, he would have had to have planning permission to build the hardstand. Additionally, you must have planning permission if it accesses an A B or C classification road.

 

Coupled with that, if the curb hasn't been dropped, the chances are he has not appraoched the local authority to do the work and is committing an offence under section 184 of the Highway's Act 1980 (driving on the pavement).

 

As your neighbour hasn't got a dropped curb, you have every right to park across his hardstand. If this causes grief, remind him that he has obligations that he has to carry out and that if he wishes to maintain access he has to go through proper channels. Alternatively, ask the planning office if there has been any application made if the surface doesn't conform to regs.

 

Our local authority have recently been doing a lot of resurfacing on the council estates and have sent out letters offering residents the opportunity to get a dropped curb for £200 instead of the normal £700+. But they have also threatened that those who don't have a dropped curb to access a previously built hardstanding and don't apply may be subject to prosecution in the future under section 184.

MBNA - Agreed to refund £970 in full without conditions. Cheque received Sat 5th Aug.:D

Lloyds - Settled for an undisclosed sum.:D

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