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    • Hi All, newbie here, hope I'm doing this correctly.   Two years ago the wife was using my car and bought a ticket in a train station car park and displayed it on the dashboard. She returned to find a parking charge notice from Excel. It was a very windy day and it had evidently been blown on the the floor of the car as she left. It did not have a self adhesive part to stick to the window. I subsequently followed their online claim procedure and sent a copy of the ticket but the claim was refused. A couple of days ago I received the County Court Business Centre claim form in the post after presuming it would go away after not hearing from them for about a year (the usual threatening letters from debt recovery companies etc).   I wish I had paid the original £20 as this has been a big worry and hassle, but I just ignored most of the letters after reading stuff online. Obviously I want to dispute the whole of the claim but do I have a decent defence? I would cite the fact that the only reason the ticket was not displayed was that it could not be stuck to the window.   Any help and advice would be greatly appreciated.   Name of the Claimant : Excel Parking Services   Claimants Solicitors: Unknown   Date of issue – 08 July 2020   Date for AOS - 27 July 2020?   Date to submit Defence - 10 August?       What is the claim for – Breach of contract - parked without clearly displaying a valid parking ticket in Brewery St car park, Chesterfield on 02.07. 2018. Defendant has failed to settle the outstanding liability and Claimant seeks recovery of of the parking charge notice, costs and interest       What is the value of the claim? £185.00
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Early repayment penalty charges

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Hi

 

I have a dispute with Capital Home Loans over suitable security and portability of my loan because the 10 year fixed loan I had was in its tenth year and I wanted to sell the house on which the banks charge was registered. The early penalty was 5% - the early repayment penalty mounted to circa 9K. I wrote to CHL and explained that I was selling the house ( a buy to let property) but did not want to repay my mortgage until the 10years was up and requested that they port their charge to a new security. I offered CHL an HSBC bank guarantee for the total sum of the mortgage plus the remaining 9 months interest but they said that although my mortgage was portable a bank guarantee was not acceptable collateral and insisted the early penalty had to be paid. I can find no specific definition of acceptable security in my contract and am insisting that the bank guarantee offered was as good if not better than any other form of security. What do you think my chances of wining a case for the recovery of my 9K are?

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